Home > Ultima Bank Minnesota > Performance and Condition Ratios
Ultima Bank Minnesota, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2680% | 185 |
| Cost of funding earning assets | 2.1326% | 728 |
| Net interest margin | 5.1354% | 277 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.9289% | 1,218 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 2.0756% | 417 |
| Return on assets (ROA) | 2.0924% | 393 |
| Pretax return on assets | 2.3045% | 430 |
| Return on Equity (ROE) | 20.2400% | 595 |
| Retained earnings to average equity (ytd only) | 7.4033% | 1,753 |
| Net charge-offs to loans | 0.0013% | 2,797 |
| Credit loss provision to net charge-offs | 3,766.6667% | 135 |
| Earnings coverage of net charge-offs (x) | 1,895.0000% | 82 |
| Efficiency ratio | 55.1154% | 3,592 |
| Assets per employee ($millions) | 5.4966% | 3,254 |
| Cash dividends to net income (ytd only)* | 63.4314% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 3,329 |
| Loan loss allowance to noncurrent loans | 219.6649% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 1,320 |
| Noncurrent loans to loans | 0.4540% | 1,646 |
| Net loans and leases to total assets | 91.8100% | 16 |
| Net loans and leases to deposits | 107.0517% | 259 |
| Net loans and leases to core deposits | 129.9323% | 402 |
| Total domestic deposits to total assets | 85.7600% | 2,084 |
| Equity capital to assets | 9.4095% | 2,415 |
| Core capital (leverage) ratio | 9.3193% | 3,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $243,744,200 | 2,719 |
| Average earning assets | $231,219,000 | 2,681 |
| Average equity | $25,191,600 | 2,506 |
| Average total loans | $226,220,600 | 2,125 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1134% | 183 |
| Cost of funding earning assets | 2.0482% | 650 |
| Net interest margin | 5.0652% | 289 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.8475% | 1,325 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 2.0757% | 450 |
| Return on assets (ROA) | 2.0914% | 434 |
| Pretax return on assets | 2.3139% | 475 |
| Return on Equity (ROE) | 19.7300% | 750 |
| Retained earnings to average equity (ytd only) | 16.0290% | 454 |
| Net charge-offs to loans | 0.0018% | 2,519 |
| Credit loss provision to net charge-offs | 3,766.6667% | 131 |
| Earnings coverage of net charge-offs (x) | 1,400.3333% | 113 |
| Efficiency ratio | 54.6818% | 3,530 |
| Assets per employee ($millions) | 5.5426% | 3,147 |
| Cash dividends to net income (ytd only)* | 18.7752% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 3,168 |
| Loan loss allowance to noncurrent loans | 219.0853% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 1,361 |
| Noncurrent loans to loans | 0.4734% | 1,640 |
| Net loans and leases to total assets | 89.3400% | 47 |
| Net loans and leases to deposits | 102.8254% | 396 |
| Net loans and leases to core deposits | 126.2565% | 412 |
| Total domestic deposits to total assets | 86.8800% | 1,927 |
| Equity capital to assets | 9.9614% | 1,854 |
| Core capital (leverage) ratio | 9.4957% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $237,346,500 | 2,764 |
| Average earning assets | $225,167,000 | 2,722 |
| Average equity | $25,153,750 | 2,494 |
| Average total loans | $220,332,500 | 2,154 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8973% | 188 |
| Cost of funding earning assets | 1.8482% | 680 |
| Net interest margin | 5.0492% | 295 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.7386% | 1,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.2903% | 309 |
| Return on assets (ROA) | 2.3092% | 296 |
| Pretax return on assets | 2.5727% | 327 |
| Return on Equity (ROE) | 21.2900% | 597 |
| Retained earnings to average equity (ytd only) | 18.2073% | 330 |
| Net charge-offs to loans | 0.0094% | 1,857 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 290.6000% | 460 |
| Efficiency ratio | 51.7676% | 3,785 |
| Assets per employee ($millions) | 5.1925% | 3,419 |
| Cash dividends to net income (ytd only)* | 14.4867% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 3,398 |
| Loan loss allowance to noncurrent loans | 258.2789% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 1,449 |
| Noncurrent loans to loans | 0.3889% | 1,759 |
| Net loans and leases to total assets | 93.7700% | 9 |
| Net loans and leases to deposits | 112.3360% | 170 |
| Net loans and leases to core deposits | 139.7314% | 216 |
| Total domestic deposits to total assets | 83.4700% | 2,941 |
| Equity capital to assets | 10.3221% | 1,680 |
| Core capital (leverage) ratio | 11.1083% | 1,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $227,779,667 | 2,820 |
| Average earning assets | $217,620,333 | 2,776 |
| Average equity | $24,704,333 | 2,533 |
| Average total loans | $213,718,667 | 2,196 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6463% | 157 |
| Cost of funding earning assets | 1.5607% | 750 |
| Net interest margin | 5.0856% | 263 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.8141% | 1,404 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.6121% | 216 |
| Return on assets (ROA) | 2.6354% | 211 |
| Pretax return on assets | 2.7275% | 279 |
| Return on Equity (ROE) | 23.6400% | 466 |
| Retained earnings to average equity (ytd only) | 23.6432% | 214 |
| Net charge-offs to loans | -0.0020% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.0020% | 3,852 |
| Assets per employee ($millions) | 5.0600% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 2,649 |
| Loan loss allowance to noncurrent loans | 315.0794% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 1,478 |
| Noncurrent loans to loans | 0.3752% | 1,807 |
| Net loans and leases to total assets | 91.5000% | 18 |
| Net loans and leases to deposits | 104.9024% | 285 |
| Net loans and leases to core deposits | 125.4328% | 338 |
| Total domestic deposits to total assets | 87.2200% | 2,181 |
| Equity capital to assets | 11.4477% | 1,170 |
| Core capital (leverage) ratio | 11.6307% | 1,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $217,048,500 | 2,929 |
| Average earning assets | $207,093,000 | 2,886 |
| Average equity | $24,193,000 | 2,590 |
| Average total loans | $202,540,000 | 2,287 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0099% | 94 |
| Cost of funding earning assets | 0.7102% | 562 |
| Net interest margin | 5.2998% | 105 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 3.0413% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.1548% | 232 |
| Return on assets (ROA) | 2.1467% | 225 |
| Pretax return on assets | 2.3610% | 252 |
| Return on Equity (ROE) | 19.6400% | 515 |
| Retained earnings to average equity (ytd only) | 7.1804% | 2,161 |
| Net charge-offs to loans | -0.0010% | 3,357 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.2027% | 3,562 |
| Assets per employee ($millions) | 5.1552% | 3,554 |
| Cash dividends to net income (ytd only)* | 63.4409% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 2,533 |
| Loan loss allowance to noncurrent loans | 302.5413% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3635% | 1,410 |
| Noncurrent loans to loans | 0.3865% | 1,762 |
| Net loans and leases to total assets | 92.9400% | 11 |
| Net loans and leases to deposits | 110.9329% | 144 |
| Net loans and leases to core deposits | 129.3044% | 234 |
| Total domestic deposits to total assets | 83.7800% | 3,257 |
| Equity capital to assets | 10.8435% | 1,323 |
| Core capital (leverage) ratio | 10.8717% | 1,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $212,279,600 | 2,962 |
| Average earning assets | $202,065,400 | 2,913 |
| Average equity | $23,202,000 | 2,687 |
| Average total loans | $196,392,600 | 2,255 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7765% | 91 |
| Cost of funding earning assets | 0.5391% | 609 |
| Net interest margin | 5.2374% | 94 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 3.0243% | 877 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.1189% | 239 |
| Return on assets (ROA) | 2.1064% | 239 |
| Pretax return on assets | 2.3299% | 262 |
| Return on Equity (ROE) | 19.2300% | 510 |
| Retained earnings to average equity (ytd only) | 16.3399% | 254 |
| Net charge-offs to loans | -0.0096% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.3382% | 3,594 |
| Assets per employee ($millions) | 5.0922% | 3,598 |
| Cash dividends to net income (ytd only)* | 15.0435% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 2,616 |
| Loan loss allowance to noncurrent loans | 277.9326% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 1,189 |
| Noncurrent loans to loans | 0.4257% | 1,745 |
| Net loans and leases to total assets | 93.4400% | 8 |
| Net loans and leases to deposits | 113.5581% | 87 |
| Net loans and leases to core deposits | 124.8752% | 189 |
| Total domestic deposits to total assets | 82.2800% | 3,796 |
| Equity capital to assets | 11.5241% | 999 |
| Core capital (leverage) ratio | 11.4408% | 1,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $211,220,250 | 2,990 |
| Average earning assets | $201,063,000 | 2,947 |
| Average equity | $23,133,000 | 2,730 |
| Average total loans | $194,588,000 | 2,268 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4411% | 106 |
| Cost of funding earning assets | 0.4501% | 693 |
| Net interest margin | 4.9910% | 106 |
| Noninterest income to average assets | 0.3062% | 3,331 |
| Noninterest expense to average assets | 3.0009% | 837 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.8071% | 330 |
| Return on assets (ROA) | 1.7895% | 342 |
| Pretax return on assets | 2.0301% | 359 |
| Return on Equity (ROE) | 16.6340% | 618 |
| Retained earnings to average equity (ytd only) | 13.3549% | 426 |
| Net charge-offs to loans | -0.0135% | 3,713 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4127% | 3,379 |
| Assets per employee ($millions) | 4.8358% | 3,824 |
| Cash dividends to net income (ytd only)* | 19.7131% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 2,644 |
| Loan loss allowance to noncurrent loans | 359.1592% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 1,534 |
| Noncurrent loans to loans | 0.3364% | 2,133 |
| Net loans and leases to total assets | 91.9253% | 10 |
| Net loans and leases to deposits | 106.7461% | 123 |
| Net loans and leases to core deposits | 119.6052% | 201 |
| Total domestic deposits to total assets | 86.1159% | 3,219 |
| Equity capital to assets | 10.9613% | 1,228 |
| Core capital (leverage) ratio | 11.0611% | 1,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,335,667 | 3,027 |
| Average earning assets | $199,960,667 | 2,993 |
| Average equity | $22,628,333 | 2,844 |
| Average total loans | $192,038,333 | 2,285 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2183% | 120 |
| Cost of funding earning assets | 0.4323% | 711 |
| Net interest margin | 4.7860% | 124 |
| Noninterest income to average assets | 0.3156% | 3,207 |
| Noninterest expense to average assets | 3.0586% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8076% | 325 |
| Return on assets (ROA) | 1.7942% | 335 |
| Pretax return on assets | 1.7961% | 554 |
| Return on Equity (ROE) | 16.8395% | 439 |
| Retained earnings to average equity (ytd only) | 16.8395% | 189 |
| Net charge-offs to loans | -0.0085% | 3,517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8291% | 3,168 |
| Assets per employee ($millions) | 4.8129% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 2,554 |
| Loan loss allowance to noncurrent loans | 338.9758% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 1,573 |
| Noncurrent loans to loans | 0.3714% | 2,156 |
| Net loans and leases to total assets | 88.2475% | 25 |
| Net loans and leases to deposits | 99.8936% | 177 |
| Net loans and leases to core deposits | 109.9294% | 261 |
| Total domestic deposits to total assets | 88.3415% | 2,367 |
| Equity capital to assets | 10.7429% | 1,470 |
| Core capital (leverage) ratio | 10.8910% | 1,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,116,000 | 3,048 |
| Average earning assets | $198,914,500 | 3,010 |
| Average equity | $22,281,000 | 2,962 |
| Average total loans | $189,064,500 | 2,303 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4772% | 54 |
| Cost of funding earning assets | 0.6289% | 468 |
| Net interest margin | 5.8484% | 62 |
| Noninterest income to average assets | 0.5293% | 2,445 |
| Noninterest expense to average assets | 3.0455% | 927 |
| Loan and lease loss provision to assets | 0.0435% | 2,184 |
| Net operating income to assets | 2.9589% | 103 |
| Return on assets (ROA) | 2.9792% | 104 |
| Pretax return on assets | 2.9812% | 151 |
| Return on Equity (ROE) | 28.0703% | 85 |
| Retained earnings to average equity (ytd only) | 8.4694% | 1,356 |
| Net charge-offs to loans | 0.0280% | 1,676 |
| Credit loss provision to net charge-offs | 169.8113% | 1,409 |
| Earnings coverage of net charge-offs (x) | 117.1698% | 802 |
| Efficiency ratio | 50.3399% | 4,260 |
| Assets per employee ($millions) | 4.4883% | 4,125 |
| Cash dividends to net income (ytd only)* | 69.8279% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 2,571 |
| Loan loss allowance to noncurrent loans | 430.1989% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 1,953 |
| Noncurrent loans to loans | 0.2928% | 2,539 |
| Net loans and leases to total assets | 90.3242% | 16 |
| Net loans and leases to deposits | 103.3661% | 135 |
| Net loans and leases to core deposits | 114.1808% | 226 |
| Total domestic deposits to total assets | 87.3828% | 2,346 |
| Equity capital to assets | 10.5646% | 2,116 |
| Core capital (leverage) ratio | 10.4043% | 1,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,697,600 | 3,013 |
| Average earning assets | $195,114,200 | 2,996 |
| Average equity | $21,937,800 | 3,066 |
| Average total loans | $188,953,600 | 2,312 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7780% | 49 |
| Cost of funding earning assets | 0.6845% | 416 |
| Net interest margin | 6.0935% | 51 |
| Noninterest income to average assets | 0.3979% | 3,093 |
| Noninterest expense to average assets | 2.9580% | 1,033 |
| Loan and lease loss provision to assets | 0.0450% | 2,097 |
| Net operating income to assets | 3.1270% | 109 |
| Return on assets (ROA) | 3.1437% | 109 |
| Pretax return on assets | 3.1463% | 154 |
| Return on Equity (ROE) | 29.5861% | 99 |
| Retained earnings to average equity (ytd only) | 20.2581% | 126 |
| Net charge-offs to loans | -0.0021% | 3,229 |
| Credit loss provision to net charge-offs | -2,333.3333% | 4,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2229% | 4,352 |
| Assets per employee ($millions) | 4.5693% | 4,073 |
| Cash dividends to net income (ytd only)* | 31.5282% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 2,574 |
| Loan loss allowance to noncurrent loans | 149.3506% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.7864% | 915 |
| Noncurrent loans to loans | 0.8593% | 1,337 |
| Net loans and leases to total assets | 90.3403% | 17 |
| Net loans and leases to deposits | 103.0438% | 170 |
| Net loans and leases to core deposits | 114.3495% | 248 |
| Total domestic deposits to total assets | 87.6717% | 2,021 |
| Equity capital to assets | 11.3279% | 1,784 |
| Core capital (leverage) ratio | 11.0266% | 1,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,756,000 | 3,047 |
| Average earning assets | $194,585,000 | 3,035 |
| Average equity | $21,969,250 | 3,094 |
| Average total loans | $188,975,500 | 2,347 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3768% | 36 |
| Cost of funding earning assets | 0.7455% | 370 |
| Net interest margin | 6.6313% | 40 |
| Noninterest income to average assets | 0.4287% | 2,958 |
| Noninterest expense to average assets | 2.9314% | 1,099 |
| Loan and lease loss provision to assets | 0.0290% | 2,400 |
| Net operating income to assets | 3.6749% | 83 |
| Return on assets (ROA) | 3.6942% | 81 |
| Pretax return on assets | 3.6971% | 108 |
| Return on Equity (ROE) | 35.5439% | 63 |
| Retained earnings to average equity (ytd only) | 30.0720% | 35 |
| Net charge-offs to loans | -0.0021% | 3,207 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1309% | 4,607 |
| Assets per employee ($millions) | 4.8062% | 3,832 |
| Cash dividends to net income (ytd only)* | 15.3947% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 2,794 |
| Loan loss allowance to noncurrent loans | 84.5442% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.3278% | 477 |
| Noncurrent loans to loans | 1.4491% | 797 |
| Net loans and leases to total assets | 90.5066% | 16 |
| Net loans and leases to deposits | 106.2142% | 160 |
| Net loans and leases to core deposits | 121.5674% | 201 |
| Total domestic deposits to total assets | 85.2114% | 3,012 |
| Equity capital to assets | 10.9664% | 2,006 |
| Core capital (leverage) ratio | 10.7578% | 1,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,135,667 | 3,040 |
| Average earning assets | $193,960,000 | 3,033 |
| Average equity | $21,528,333 | 3,128 |
| Average total loans | $189,244,000 | 2,355 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5234% | 63 |
| Cost of funding earning assets | 0.7881% | 379 |
| Net interest margin | 5.7353% | 77 |
| Noninterest income to average assets | 0.4586% | 2,793 |
| Noninterest expense to average assets | 2.9956% | 1,004 |
| Loan and lease loss provision to assets | 0.0195% | 2,526 |
| Net operating income to assets | 2.8668% | 172 |
| Return on assets (ROA) | 2.9000% | 184 |
| Pretax return on assets | 2.9019% | 258 |
| Return on Equity (ROE) | 28.7191% | 165 |
| Retained earnings to average equity (ytd only) | 28.7191% | 85 |
| Net charge-offs to loans | 0.0043% | 1,764 |
| Credit loss provision to net charge-offs | 500.0000% | 591 |
| Earnings coverage of net charge-offs (x) | 740.0000% | 127 |
| Efficiency ratio | 50.8789% | 4,109 |
| Assets per employee ($millions) | 4.8490% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 2,682 |
| Loan loss allowance to noncurrent loans | 153.9974% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.8244% | 1,076 |
| Noncurrent loans to loans | 0.8094% | 1,644 |
| Net loans and leases to total assets | 87.2691% | 61 |
| Net loans and leases to deposits | 98.0908% | 342 |
| Net loans and leases to core deposits | 114.5634% | 313 |
| Total domestic deposits to total assets | 88.9677% | 1,356 |
| Equity capital to assets | 10.0490% | 2,663 |
| Core capital (leverage) ratio | 10.4605% | 2,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,967,000 | 3,044 |
| Average earning assets | $193,885,500 | 3,024 |
| Average equity | $20,697,000 | 3,181 |
| Average total loans | $186,980,500 | 2,380 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3253% | 66 |
| Cost of funding earning assets | 1.1494% | 337 |
| Net interest margin | 5.1759% | 98 |
| Noninterest income to average assets | 0.3302% | 3,480 |
| Noninterest expense to average assets | 3.0724% | 1,285 |
| Loan and lease loss provision to assets | 0.0458% | 3,827 |
| Net operating income to assets | 2.1287% | 205 |
| Return on assets (ROA) | 2.1256% | 223 |
| Pretax return on assets | 2.1276% | 348 |
| Return on Equity (ROE) | 20.8234% | 198 |
| Retained earnings to average equity (ytd only) | 6.2301% | 1,692 |
| Net charge-offs to loans | 0.0080% | 3,041 |
| Credit loss provision to net charge-offs | 600.0000% | 1,102 |
| Earnings coverage of net charge-offs (x) | 285.2000% | 359 |
| Efficiency ratio | 58.3794% | 3,673 |
| Assets per employee ($millions) | 4.3684% | 4,047 |
| Cash dividends to net income (ytd only)* | 70.0814% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,602 |
| Loan loss allowance to noncurrent loans | 137.0392% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.9431% | 1,026 |
| Noncurrent loans to loans | 0.9217% | 1,529 |
| Net loans and leases to total assets | 93.1310% | 7 |
| Net loans and leases to deposits | 105.7540% | 233 |
| Net loans and leases to core deposits | 125.5872% | 250 |
| Total domestic deposits to total assets | 88.0638% | 1,444 |
| Equity capital to assets | 10.1506% | 2,981 |
| Core capital (leverage) ratio | 9.9319% | 2,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,556,000 | 2,968 |
| Average earning assets | $186,789,800 | 2,939 |
| Average equity | $20,064,000 | 3,183 |
| Average total loans | $187,468,400 | 2,348 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5164% | 60 |
| Cost of funding earning assets | 1.1838% | 394 |
| Net interest margin | 5.3326% | 92 |
| Noninterest income to average assets | 0.2971% | 3,703 |
| Noninterest expense to average assets | 2.9563% | 1,544 |
| Loan and lease loss provision to assets | 0.0611% | 3,578 |
| Net operating income to assets | 2.3498% | 170 |
| Return on assets (ROA) | 2.3390% | 178 |
| Pretax return on assets | 2.3417% | 261 |
| Return on Equity (ROE) | 22.8814% | 154 |
| Retained earnings to average equity (ytd only) | 16.1125% | 150 |
| Net charge-offs to loans | 0.0106% | 2,725 |
| Credit loss provision to net charge-offs | 600.0000% | 1,163 |
| Earnings coverage of net charge-offs (x) | 237.2000% | 436 |
| Efficiency ratio | 54.9015% | 4,051 |
| Assets per employee ($millions) | 4.4601% | 3,892 |
| Cash dividends to net income (ytd only)* | 29.5824% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 2,534 |
| Loan loss allowance to noncurrent loans | 159.8635% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.8804% | 1,314 |
| Noncurrent loans to loans | 0.7660% | 1,898 |
| Net loans and leases to total assets | 94.1192% | 4 |
| Net loans and leases to deposits | 108.3769% | 260 |
| Net loans and leases to core deposits | 129.5002% | 257 |
| Total domestic deposits to total assets | 86.8444% | 1,725 |
| Equity capital to assets | 10.5289% | 2,766 |
| Core capital (leverage) ratio | 10.3210% | 2,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,550,250 | 2,953 |
| Average earning assets | $186,969,750 | 2,918 |
| Average equity | $20,091,500 | 3,175 |
| Average total loans | $187,981,000 | 2,347 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7894% | 69 |
| Cost of funding earning assets | 1.2549% | 427 |
| Net interest margin | 5.5345% | 88 |
| Noninterest income to average assets | 0.2931% | 3,716 |
| Noninterest expense to average assets | 2.8847% | 1,869 |
| Loan and lease loss provision to assets | 0.0615% | 3,531 |
| Net operating income to assets | 2.6224% | 118 |
| Return on assets (ROA) | 2.6060% | 129 |
| Pretax return on assets | 2.6091% | 178 |
| Return on Equity (ROE) | 25.7589% | 102 |
| Retained earnings to average equity (ytd only) | 21.8084% | 71 |
| Net charge-offs to loans | 0.0203% | 2,317 |
| Credit loss provision to net charge-offs | 315.7895% | 1,576 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 559 |
| Efficiency ratio | 51.6277% | 4,387 |
| Assets per employee ($millions) | 4.9216% | 3,274 |
| Cash dividends to net income (ytd only)* | 15.3362% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 2,754 |
| Loan loss allowance to noncurrent loans | 147.1939% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.9095% | 1,350 |
| Noncurrent loans to loans | 0.7850% | 1,929 |
| Net loans and leases to total assets | 95.5212% | 3 |
| Net loans and leases to deposits | 115.7651% | 132 |
| Net loans and leases to core deposits | 141.2802% | 155 |
| Total domestic deposits to total assets | 82.5129% | 3,231 |
| Equity capital to assets | 10.0901% | 3,116 |
| Core capital (leverage) ratio | 10.2803% | 2,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,165,333 | 2,945 |
| Average earning assets | $186,143,000 | 2,904 |
| Average equity | $19,744,667 | 3,199 |
| Average total loans | $186,893,333 | 2,333 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3852% | 97 |
| Cost of funding earning assets | 1.3494% | 487 |
| Net interest margin | 5.0358% | 177 |
| Noninterest income to average assets | 0.3274% | 3,565 |
| Noninterest expense to average assets | 3.0307% | 1,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.0866% | 230 |
| Return on assets (ROA) | 2.0465% | 271 |
| Pretax return on assets | 2.0486% | 411 |
| Return on Equity (ROE) | 20.1996% | 161 |
| Retained earnings to average equity (ytd only) | 20.1996% | 63 |
| Net charge-offs to loans | -0.0022% | 3,672 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0347% | 3,865 |
| Assets per employee ($millions) | 4.5270% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 2,383 |
| Loan loss allowance to noncurrent loans | 98.4802% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.3753% | 826 |
| Noncurrent loans to loans | 1.2702% | 1,288 |
| Net loans and leases to total assets | 94.1647% | 7 |
| Net loans and leases to deposits | 109.7193% | 193 |
| Net loans and leases to core deposits | 137.4039% | 189 |
| Total domestic deposits to total assets | 85.8232% | 2,076 |
| Equity capital to assets | 10.3469% | 3,472 |
| Core capital (leverage) ratio | 10.4340% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,394,500 | 2,963 |
| Average earning assets | $180,228,500 | 2,914 |
| Average equity | $19,188,500 | 3,258 |
| Average total loans | $180,461,500 | 2,355 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6403% | 90 |
| Cost of funding earning assets | 1.4778% | 427 |
| Net interest margin | 5.1625% | 203 |
| Noninterest income to average assets | 0.3654% | 3,510 |
| Noninterest expense to average assets | 2.9116% | 2,261 |
| Loan and lease loss provision to assets | 0.1309% | 1,635 |
| Net operating income to assets | 2.2483% | 201 |
| Return on assets (ROA) | 2.2483% | 215 |
| Pretax return on assets | 2.2505% | 346 |
| Return on Equity (ROE) | 22.0044% | 137 |
| Retained earnings to average equity (ytd only) | 6.4914% | 1,611 |
| Net charge-offs to loans | 0.0464% | 2,459 |
| Credit loss provision to net charge-offs | 296.2963% | 946 |
| Earnings coverage of net charge-offs (x) | 53.9012% | 1,065 |
| Efficiency ratio | 54.8434% | 4,338 |
| Assets per employee ($millions) | 4.3873% | 3,391 |
| Cash dividends to net income (ytd only)* | 70.4998% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 2,107 |
| Loan loss allowance to noncurrent loans | 250.4972% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.6451% | 1,974 |
| Noncurrent loans to loans | 0.5039% | 2,680 |
| Net loans and leases to total assets | 94.0070% | 10 |
| Net loans and leases to deposits | 112.9627% | 140 |
| Net loans and leases to core deposits | 140.0068% | 175 |
| Total domestic deposits to total assets | 83.2195% | 3,128 |
| Equity capital to assets | 9.9144% | 3,995 |
| Core capital (leverage) ratio | 10.0625% | 3,445 |
| Tier 1 risk-based capital ratio | 11.3907% | 4,691 |
| Total risk-based capital ratio | 12.6476% | 4,563 |
| Memoranda: | ||
| Average total assets | $183,336,600 | 2,974 |
| Average earning assets | $174,992,600 | 2,933 |
| Average equity | $18,732,600 | 3,255 |
| Average total loans | $174,507,800 | 2,373 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6011% | 101 |
| Cost of funding earning assets | 1.5012% | 406 |
| Net interest margin | 5.0999% | 234 |
| Noninterest income to average assets | 0.3421% | 3,681 |
| Noninterest expense to average assets | 2.7683% | 2,657 |
| Loan and lease loss provision to assets | 0.1099% | 1,769 |
| Net operating income to assets | 2.3361% | 210 |
| Return on assets (ROA) | 2.3361% | 221 |
| Pretax return on assets | 2.3390% | 343 |
| Return on Equity (ROE) | 22.6892% | 142 |
| Retained earnings to average equity (ytd only) | 16.8621% | 87 |
| Net charge-offs to loans | 0.0623% | 1,928 |
| Credit loss provision to net charge-offs | 185.1852% | 1,402 |
| Earnings coverage of net charge-offs (x) | 41.2706% | 1,348 |
| Efficiency ratio | 52.8924% | 4,518 |
| Assets per employee ($millions) | 4.6157% | 3,025 |
| Cash dividends to net income (ytd only)* | 25.6820% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 2,362 |
| Loan loss allowance to noncurrent loans | 109.3970% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.2164% | 1,036 |
| Noncurrent loans to loans | 1.1209% | 1,415 |
| Net loans and leases to total assets | 92.6661% | 13 |
| Net loans and leases to deposits | 111.9662% | 182 |
| Net loans and leases to core deposits | 138.5624% | 201 |
| Total domestic deposits to total assets | 82.7626% | 3,236 |
| Equity capital to assets | 10.4927% | 3,545 |
| Core capital (leverage) ratio | 10.5031% | 3,099 |
| Tier 1 risk-based capital ratio | 12.0978% | 4,367 |
| Total risk-based capital ratio | 13.3625% | 4,255 |
| Memoranda: | ||
| Average total assets | $182,007,250 | 3,023 |
| Average earning assets | $173,986,000 | 2,970 |
| Average equity | $18,739,750 | 3,279 |
| Average total loans | $173,231,000 | 2,416 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4909% | 115 |
| Cost of funding earning assets | 1.4690% | 422 |
| Net interest margin | 5.0219% | 279 |
| Noninterest income to average assets | 0.3319% | 3,721 |
| Noninterest expense to average assets | 2.8308% | 2,483 |
| Loan and lease loss provision to assets | 0.0668% | 2,474 |
| Net operating income to assets | 2.2506% | 232 |
| Return on assets (ROA) | 2.2506% | 241 |
| Pretax return on assets | 2.2540% | 389 |
| Return on Equity (ROE) | 22.0065% | 165 |
| Retained earnings to average equity (ytd only) | 17.4658% | 95 |
| Net charge-offs to loans | 0.0081% | 2,852 |
| Credit loss provision to net charge-offs | 857.1429% | 394 |
| Earnings coverage of net charge-offs (x) | 297.7143% | 267 |
| Efficiency ratio | 54.7773% | 4,382 |
| Assets per employee ($millions) | 4.6668% | 2,918 |
| Cash dividends to net income (ytd only)* | 20.6333% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,472 |
| Loan loss allowance to noncurrent loans | 143.4927% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.9739% | 1,423 |
| Noncurrent loans to loans | 0.8432% | 1,913 |
| Net loans and leases to total assets | 94.5161% | 4 |
| Net loans and leases to deposits | 119.8565% | 88 |
| Net loans and leases to core deposits | 144.4929% | 162 |
| Total domestic deposits to total assets | 78.8577% | 4,246 |
| Equity capital to assets | 10.2232% | 3,776 |
| Core capital (leverage) ratio | 10.4680% | 3,126 |
| Tier 1 risk-based capital ratio | 11.7694% | 4,533 |
| Total risk-based capital ratio | 13.0329% | 4,426 |
| Memoranda: | ||
| Average total assets | $179,594,670 | 3,059 |
| Average earning assets | $172,365,670 | 2,996 |
| Average equity | $18,367,330 | 3,310 |
| Average total loans | $171,793,670 | 2,438 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4381% | 122 |
| Cost of funding earning assets | 1.4089% | 441 |
| Net interest margin | 5.0293% | 273 |
| Noninterest income to average assets | 0.3476% | 3,535 |
| Noninterest expense to average assets | 2.7582% | 2,711 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.4129% | 188 |
| Return on assets (ROA) | 2.4129% | 198 |
| Pretax return on assets | 2.4151% | 286 |
| Return on Equity (ROE) | 23.5882% | 129 |
| Retained earnings to average equity (ytd only) | 23.5882% | 58 |
| Net charge-offs to loans | 0.0119% | 2,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 212.6000% | 362 |
| Efficiency ratio | 53.1401% | 4,606 |
| Assets per employee ($millions) | 4.4990% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 2,335 |
| Loan loss allowance to noncurrent loans | 93.2594% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.2852% | 1,028 |
| Noncurrent loans to loans | 1.3382% | 1,219 |
| Net loans and leases to total assets | 94.8405% | 6 |
| Net loans and leases to deposits | 109.9789% | 216 |
| Net loans and leases to core deposits | 130.3676% | 307 |
| Total domestic deposits to total assets | 86.2352% | 2,167 |
| Equity capital to assets | 10.5692% | 3,288 |
| Core capital (leverage) ratio | 10.5833% | 2,962 |
| Tier 1 risk-based capital ratio | 12.1768% | 4,368 |
| Total risk-based capital ratio | 13.4422% | 4,234 |
| Memoranda: | ||
| Average total assets | $176,055,500 | 3,130 |
| Average earning assets | $168,931,500 | 3,065 |
| Average equity | $18,009,000 | 3,350 |
| Average total loans | $168,392,000 | 2,489 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5068% | 87 |
| Cost of funding earning assets | 1.1855% | 363 |
| Net interest margin | 5.3213% | 154 |
| Noninterest income to average assets | 0.4559% | 3,074 |
| Noninterest expense to average assets | 2.9359% | 2,228 |
| Loan and lease loss provision to assets | 0.2070% | 906 |
| Net operating income to assets | 2.3995% | 172 |
| Return on assets (ROA) | 2.3995% | 170 |
| Pretax return on assets | 2.4018% | 245 |
| Return on Equity (ROE) | 23.5298% | 116 |
| Retained earnings to average equity (ytd only) | 4.7127% | 2,926 |
| Net charge-offs to loans | 0.1292% | 1,461 |
| Credit loss provision to net charge-offs | 167.4419% | 1,660 |
| Earnings coverage of net charge-offs (x) | 21.1070% | 1,962 |
| Efficiency ratio | 52.7838% | 4,732 |
| Assets per employee ($millions) | 4.3085% | 3,448 |
| Cash dividends to net income (ytd only)* | 79.9713% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,285 |
| Loan loss allowance to noncurrent loans | 111.2988% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.1028% | 1,220 |
| Noncurrent loans to loans | 1.1256% | 1,430 |
| Net loans and leases to total assets | 94.0645% | 9 |
| Net loans and leases to deposits | 106.3402% | 358 |
| Net loans and leases to core deposits | 128.9362% | 340 |
| Total domestic deposits to total assets | 88.4562% | 1,092 |
| Equity capital to assets | 9.8914% | 3,770 |
| Core capital (leverage) ratio | 9.7937% | 3,807 |
| Tier 1 risk-based capital ratio | 11.5603% | 4,692 |
| Total risk-based capital ratio | 12.8233% | 4,584 |
| Memoranda: | ||
| Average total assets | $173,950,800 | 3,125 |
| Average earning assets | $166,350,200 | 3,061 |
| Average equity | $17,739,200 | 3,326 |
| Average total loans | $166,359,600 | 2,470 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4730% | 88 |
| Cost of funding earning assets | 1.1086% | 383 |
| Net interest margin | 5.3644% | 135 |
| Noninterest income to average assets | 0.4055% | 3,449 |
| Noninterest expense to average assets | 2.8701% | 2,400 |
| Loan and lease loss provision to assets | 0.1847% | 983 |
| Net operating income to assets | 2.4746% | 167 |
| Return on assets (ROA) | 2.4746% | 167 |
| Pretax return on assets | 2.4777% | 241 |
| Return on Equity (ROE) | 24.0815% | 103 |
| Retained earnings to average equity (ytd only) | 14.4968% | 202 |
| Net charge-offs to loans | 0.0707% | 1,828 |
| Credit loss provision to net charge-offs | 272.7273% | 1,105 |
| Earnings coverage of net charge-offs (x) | 39.3183% | 1,372 |
| Efficiency ratio | 51.7107% | 4,838 |
| Assets per employee ($millions) | 4.4136% | 3,251 |
| Cash dividends to net income (ytd only)* | 39.8009% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 2,476 |
| Loan loss allowance to noncurrent loans | 94.9708% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.2605% | 1,099 |
| Noncurrent loans to loans | 1.2913% | 1,301 |
| Net loans and leases to total assets | 94.1362% | 10 |
| Net loans and leases to deposits | 110.5138% | 273 |
| Net loans and leases to core deposits | 132.0448% | 294 |
| Total domestic deposits to total assets | 85.1805% | 2,533 |
| Equity capital to assets | 10.2687% | 3,378 |
| Core capital (leverage) ratio | 10.1929% | 3,417 |
| Tier 1 risk-based capital ratio | 11.6325% | 4,717 |
| Total risk-based capital ratio | 12.8973% | 4,597 |
| Memoranda: | ||
| Average total assets | $173,276,250 | 3,159 |
| Average earning assets | $165,607,500 | 3,093 |
| Average equity | $17,805,750 | 3,340 |
| Average total loans | $165,881,500 | 2,491 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3487% | 91 |
| Cost of funding earning assets | 0.9699% | 538 |
| Net interest margin | 5.3787% | 130 |
| Noninterest income to average assets | 0.4311% | 3,289 |
| Noninterest expense to average assets | 2.9300% | 2,258 |
| Loan and lease loss provision to assets | 0.2109% | 798 |
| Net operating income to assets | 2.4321% | 168 |
| Return on assets (ROA) | 2.4321% | 165 |
| Pretax return on assets | 2.4356% | 250 |
| Return on Equity (ROE) | 23.6622% | 116 |
| Retained earnings to average equity (ytd only) | 18.9206% | 81 |
| Net charge-offs to loans | 0.0330% | 2,193 |
| Credit loss provision to net charge-offs | 666.6667% | 578 |
| Earnings coverage of net charge-offs (x) | 83.6667% | 802 |
| Efficiency ratio | 52.3739% | 4,849 |
| Assets per employee ($millions) | 4.2717% | 3,467 |
| Cash dividends to net income (ytd only)* | 20.0385% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 2,585 |
| Loan loss allowance to noncurrent loans | 84.1687% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.4012% | 988 |
| Noncurrent loans to loans | 1.4536% | 1,163 |
| Net loans and leases to total assets | 95.2194% | 3 |
| Net loans and leases to deposits | 119.9347% | 106 |
| Net loans and leases to core deposits | 136.9671% | 224 |
| Total domestic deposits to total assets | 79.3927% | 4,365 |
| Equity capital to assets | 10.2095% | 3,433 |
| Core capital (leverage) ratio | 10.3777% | 3,160 |
| Tier 1 risk-based capital ratio | 11.7347% | 4,664 |
| Total risk-based capital ratio | 13.0031% | 4,528 |
| Memoranda: | ||
| Average total assets | $170,715,670 | 3,209 |
| Average earning assets | $163,309,330 | 3,141 |
| Average equity | $17,547,000 | 3,388 |
| Average total loans | $163,688,000 | 2,520 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1796% | 108 |
| Cost of funding earning assets | 0.8583% | 736 |
| Net interest margin | 5.3212% | 134 |
| Noninterest income to average assets | 0.3606% | 3,733 |
| Noninterest expense to average assets | 2.8491% | 2,536 |
| Loan and lease loss provision to assets | 0.1443% | 1,297 |
| Net operating income to assets | 2.4476% | 161 |
| Return on assets (ROA) | 2.4476% | 163 |
| Pretax return on assets | 2.4500% | 242 |
| Return on Equity (ROE) | 23.7268% | 112 |
| Retained earnings to average equity (ytd only) | 23.7268% | 58 |
| Net charge-offs to loans | 0.0604% | 1,501 |
| Credit loss provision to net charge-offs | 250.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 44.9583% | 996 |
| Efficiency ratio | 52.1643% | 4,954 |
| Assets per employee ($millions) | 4.3522% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 2,582 |
| Loan loss allowance to noncurrent loans | 81.0296% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.4534% | 979 |
| Noncurrent loans to loans | 1.5292% | 1,146 |
| Net loans and leases to total assets | 93.8658% | 6 |
| Net loans and leases to deposits | 111.4075% | 220 |
| Net loans and leases to core deposits | 127.7574% | 381 |
| Total domestic deposits to total assets | 84.2545% | 3,216 |
| Equity capital to assets | 10.4126% | 3,161 |
| Core capital (leverage) ratio | 10.6525% | 2,792 |
| Tier 1 risk-based capital ratio | 12.1113% | 4,491 |
| Total risk-based capital ratio | 13.3803% | 4,366 |
| Memoranda: | ||
| Average total assets | $166,367,500 | 3,291 |
| Average earning assets | $158,910,500 | 3,228 |
| Average equity | $17,162,000 | 3,454 |
| Average total loans | $159,056,500 | 2,580 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0999% | 117 |
| Cost of funding earning assets | 0.8016% | 617 |
| Net interest margin | 5.2983% | 145 |
| Noninterest income to average assets | 0.3661% | 3,848 |
| Noninterest expense to average assets | 2.9274% | 2,368 |
| Loan and lease loss provision to assets | 0.1927% | 1,089 |
| Net operating income to assets | 2.2849% | 164 |
| Return on assets (ROA) | 2.2849% | 165 |
| Pretax return on assets | 2.2879% | 271 |
| Return on Equity (ROE) | 22.8990% | 97 |
| Retained earnings to average equity (ytd only) | 6.5408% | 1,263 |
| Net charge-offs to loans | 0.3717% | 683 |
| Credit loss provision to net charge-offs | 54.1455% | 3,280 |
| Earnings coverage of net charge-offs (x) | 6.9712% | 3,111 |
| Efficiency ratio | 53.9523% | 4,954 |
| Assets per employee ($millions) | 4.0750% | 3,847 |
| Cash dividends to net income (ytd only)* | 71.4361% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 2,459 |
| Loan loss allowance to noncurrent loans | 61.7490% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.9503% | 587 |
| Noncurrent loans to loans | 2.0276% | 748 |
| Net loans and leases to total assets | 94.9864% | 3 |
| Net loans and leases to deposits | 113.9633% | 182 |
| Net loans and leases to core deposits | 130.6968% | 320 |
| Total domestic deposits to total assets | 83.3483% | 3,450 |
| Equity capital to assets | 10.2148% | 3,480 |
| Core capital (leverage) ratio | 10.1968% | 3,195 |
| Tier 1 risk-based capital ratio | 10.5840% | 5,338 |
| Total risk-based capital ratio | 11.8487% | 5,236 |
| Memoranda: | ||
| Average total assets | $166,088,400 | 3,285 |
| Average earning assets | $158,050,600 | 3,224 |
| Average equity | $16,572,800 | 3,527 |
| Average total loans | $159,020,000 | 2,557 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1006% | 116 |
| Cost of funding earning assets | 0.7937% | 597 |
| Net interest margin | 5.3069% | 140 |
| Noninterest income to average assets | 0.3052% | 4,345 |
| Noninterest expense to average assets | 2.8598% | 2,532 |
| Loan and lease loss provision to assets | 0.2557% | 669 |
| Net operating income to assets | 2.2293% | 202 |
| Return on assets (ROA) | 2.2293% | 202 |
| Pretax return on assets | 2.2333% | 333 |
| Return on Equity (ROE) | 22.4720% | 123 |
| Retained earnings to average equity (ytd only) | 15.7868% | 95 |
| Net charge-offs to loans | 0.1821% | 1,158 |
| Credit loss provision to net charge-offs | 146.7890% | 1,719 |
| Earnings coverage of net charge-offs (x) | 14.2890% | 2,295 |
| Efficiency ratio | 53.2865% | 4,988 |
| Assets per employee ($millions) | 4.1356% | 3,766 |
| Cash dividends to net income (ytd only)* | 29.7491% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4932% | 1,556 |
| Loan loss allowance to noncurrent loans | 53.1634% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 2.6562% | 379 |
| Noncurrent loans to loans | 2.8087% | 488 |
| Net loans and leases to total assets | 93.1582% | 18 |
| Net loans and leases to deposits | 112.5699% | 204 |
| Net loans and leases to core deposits | 131.4121% | 319 |
| Total domestic deposits to total assets | 82.7559% | 3,535 |
| Equity capital to assets | 10.5631% | 3,298 |
| Core capital (leverage) ratio | 10.3468% | 3,145 |
| Tier 1 risk-based capital ratio | 12.2456% | 4,467 |
| Total risk-based capital ratio | 13.5001% | 4,365 |
| Memoranda: | ||
| Average total assets | $166,861,000 | 3,304 |
| Average earning assets | $158,581,250 | 3,245 |
| Average equity | $16,553,500 | 3,564 |
| Average total loans | $159,577,750 | 2,570 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9747% | 128 |
| Cost of funding earning assets | 0.7498% | 689 |
| Net interest margin | 5.2249% | 158 |
| Noninterest income to average assets | 0.3048% | 4,356 |
| Noninterest expense to average assets | 2.8935% | 2,446 |
| Loan and lease loss provision to assets | 0.3107% | 481 |
| Net operating income to assets | 2.0927% | 260 |
| Return on assets (ROA) | 2.0927% | 266 |
| Pretax return on assets | 2.0975% | 446 |
| Return on Equity (ROE) | 21.5552% | 155 |
| Retained earnings to average equity (ytd only) | 16.1510% | 102 |
| Net charge-offs to loans | 0.2714% | 747 |
| Credit loss provision to net charge-offs | 119.2661% | 1,790 |
| Earnings coverage of net charge-offs (x) | 9.2431% | 2,454 |
| Efficiency ratio | 54.3959% | 4,988 |
| Assets per employee ($millions) | 4.0802% | 3,832 |
| Cash dividends to net income (ytd only)* | 25.0714% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 1,989 |
| Loan loss allowance to noncurrent loans | 56.7298% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 2.4328% | 462 |
| Noncurrent loans to loans | 2.4510% | 625 |
| Net loans and leases to total assets | 94.1891% | 8 |
| Net loans and leases to deposits | 118.1090% | 117 |
| Net loans and leases to core deposits | 135.9073% | 233 |
| Total domestic deposits to total assets | 79.7476% | 4,470 |
| Equity capital to assets | 9.8187% | 4,111 |
| Core capital (leverage) ratio | 9.9700% | 3,574 |
| Tier 1 risk-based capital ratio | 11.4748% | 4,966 |
| Total risk-based capital ratio | 12.7286% | 4,865 |
| Memoranda: | ||
| Average total assets | $167,339,670 | 3,317 |
| Average earning assets | $160,042,330 | 3,244 |
| Average equity | $16,246,670 | 3,611 |
| Average total loans | $160,622,670 | 2,556 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8515% | 148 |
| Cost of funding earning assets | 0.7229% | 752 |
| Net interest margin | 5.1286% | 175 |
| Noninterest income to average assets | 0.2976% | 4,427 |
| Noninterest expense to average assets | 2.8622% | 2,571 |
| Loan and lease loss provision to assets | 0.1936% | 862 |
| Net operating income to assets | 2.1436% | 247 |
| Return on assets (ROA) | 2.1436% | 255 |
| Pretax return on assets | 2.1509% | 386 |
| Return on Equity (ROE) | 22.2097% | 146 |
| Retained earnings to average equity (ytd only) | 22.2097% | 75 |
| Net charge-offs to loans | 0.0453% | 1,938 |
| Credit loss provision to net charge-offs | 444.4444% | 613 |
| Earnings coverage of net charge-offs (x) | 53.8333% | 859 |
| Efficiency ratio | 54.7862% | 5,062 |
| Assets per employee ($millions) | 3.9042% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 1,843 |
| Loan loss allowance to noncurrent loans | 64.6943% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 2.2601% | 545 |
| Noncurrent loans to loans | 2.2520% | 742 |
| Net loans and leases to total assets | 94.7054% | 4 |
| Net loans and leases to deposits | 107.3918% | 274 |
| Net loans and leases to core deposits | 120.7272% | 446 |
| Total domestic deposits to total assets | 88.1868% | 1,599 |
| Equity capital to assets | 10.0014% | 3,755 |
| Core capital (leverage) ratio | 9.9982% | 3,499 |
| Tier 1 risk-based capital ratio | 11.4911% | 5,036 |
| Total risk-based capital ratio | 12.7459% | 4,935 |
| Memoranda: | ||
| Average total assets | $165,326,000 | 3,364 |
| Average earning assets | $158,250,500 | 3,294 |
| Average equity | $15,957,000 | 3,670 |
| Average total loans | $159,091,500 | 2,589 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1739% | 101 |
| Cost of funding earning assets | 0.7151% | 764 |
| Net interest margin | 5.4589% | 116 |
| Noninterest income to average assets | 0.3998% | 3,885 |
| Noninterest expense to average assets | 2.8457% | 2,860 |
| Loan and lease loss provision to assets | 0.2653% | 765 |
| Net operating income to assets | 2.4947% | 147 |
| Return on assets (ROA) | 2.4947% | 148 |
| Pretax return on assets | 2.4953% | 203 |
| Return on Equity (ROE) | 26.5012% | 62 |
| Retained earnings to average equity (ytd only) | 6.4764% | 1,468 |
| Net charge-offs to loans | -0.0183% | 5,101 |
| Credit loss provision to net charge-offs | -1,517.2414% | 5,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5862% | 5,459 |
| Assets per employee ($millions) | 3.8762% | 4,181 |
| Cash dividends to net income (ytd only)* | 75.5620% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 2,118 |
| Loan loss allowance to noncurrent loans | 224.0722% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 2,935 |
| Noncurrent loans to loans | 0.6208% | 2,986 |
| Net loans and leases to total assets | 95.0100% | 7 |
| Net loans and leases to deposits | 106.5623% | 318 |
| Net loans and leases to core deposits | 124.0817% | 381 |
| Total domestic deposits to total assets | 89.1591% | 1,033 |
| Equity capital to assets | 9.3079% | 4,465 |
| Core capital (leverage) ratio | 9.3474% | 4,289 |
| Tier 1 risk-based capital ratio | 10.4376% | 5,597 |
| Total risk-based capital ratio | 11.6911% | 5,543 |
| Memoranda: | ||
| Average total assets | $165,829,800 | 3,337 |
| Average earning assets | $158,164,800 | 3,268 |
| Average equity | $15,610,600 | 3,741 |
| Average total loans | $158,811,800 | 2,533 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2288% | 94 |
| Cost of funding earning assets | 0.7104% | 773 |
| Net interest margin | 5.5185% | 110 |
| Noninterest income to average assets | 0.3655% | 4,164 |
| Noninterest expense to average assets | 2.8136% | 2,957 |
| Loan and lease loss provision to assets | 0.3220% | 518 |
| Net operating income to assets | 2.4948% | 158 |
| Return on assets (ROA) | 2.4948% | 162 |
| Pretax return on assets | 2.4956% | 218 |
| Return on Equity (ROE) | 26.4277% | 67 |
| Retained earnings to average equity (ytd only) | 17.6099% | 83 |
| Net charge-offs to loans | -0.0236% | 5,069 |
| Credit loss provision to net charge-offs | -1,428.5714% | 5,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7927% | 5,517 |
| Assets per employee ($millions) | 4.1360% | 3,721 |
| Cash dividends to net income (ytd only)* | 33.3655% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3549% | 2,412 |
| Loan loss allowance to noncurrent loans | 374.2321% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 4,012 |
| Noncurrent loans to loans | 0.3621% | 3,957 |
| Net loans and leases to total assets | 94.1519% | 7 |
| Net loans and leases to deposits | 108.6078% | 289 |
| Net loans and leases to core deposits | 127.9552% | 333 |
| Total domestic deposits to total assets | 86.6898% | 2,039 |
| Equity capital to assets | 9.7702% | 4,396 |
| Core capital (leverage) ratio | 9.7264% | 3,906 |
| Tier 1 risk-based capital ratio | 10.9311% | 5,400 |
| Total risk-based capital ratio | 12.1834% | 5,321 |
| Memoranda: | ||
| Average total assets | $165,618,500 | 3,352 |
| Average earning assets | $158,035,500 | 3,281 |
| Average equity | $15,634,750 | 3,768 |
| Average total loans | $158,366,750 | 2,543 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1985% | 100 |
| Cost of funding earning assets | 0.6992% | 809 |
| Net interest margin | 5.4993% | 109 |
| Noninterest income to average assets | 0.3798% | 4,026 |
| Noninterest expense to average assets | 2.8959% | 2,688 |
| Loan and lease loss provision to assets | 0.3530% | 465 |
| Net operating income to assets | 2.3664% | 181 |
| Return on assets (ROA) | 2.3664% | 192 |
| Pretax return on assets | 2.3676% | 270 |
| Return on Equity (ROE) | 25.3725% | 82 |
| Retained earnings to average equity (ytd only) | 18.2202% | 80 |
| Net charge-offs to loans | -0.0331% | 5,172 |
| Credit loss provision to net charge-offs | -1,115.3846% | 5,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4088% | 5,481 |
| Assets per employee ($millions) | 4.0413% | 3,828 |
| Cash dividends to net income (ytd only)* | 28.1893% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 2,930 |
| Loan loss allowance to noncurrent loans | 345.1078% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 4,048 |
| Noncurrent loans to loans | 0.3691% | 4,038 |
| Net loans and leases to total assets | 95.0198% | 4 |
| Net loans and leases to deposits | 112.9712% | 192 |
| Net loans and leases to core deposits | 131.2415% | 287 |
| Total domestic deposits to total assets | 84.1097% | 3,223 |
| Equity capital to assets | 9.3671% | 4,895 |
| Core capital (leverage) ratio | 9.5403% | 4,150 |
| Tier 1 risk-based capital ratio | 10.6259% | 5,615 |
| Total risk-based capital ratio | 11.8774% | 5,531 |
| Memoranda: | ||
| Average total assets | $164,299,000 | 3,383 |
| Average earning assets | $156,456,000 | 3,319 |
| Average equity | $15,323,670 | 3,827 |
| Average total loans | $157,204,670 | 2,560 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3404% | 87 |
| Cost of funding earning assets | 0.6912% | 846 |
| Net interest margin | 5.6492% | 93 |
| Noninterest income to average assets | 0.3936% | 3,877 |
| Noninterest expense to average assets | 2.8394% | 2,920 |
| Loan and lease loss provision to assets | 0.2971% | 533 |
| Net operating income to assets | 2.6389% | 130 |
| Return on assets (ROA) | 2.6389% | 131 |
| Pretax return on assets | 2.6389% | 190 |
| Return on Equity (ROE) | 28.3586% | 64 |
| Retained earnings to average equity (ytd only) | 28.3586% | 31 |
| Net charge-offs to loans | -0.0467% | 5,293 |
| Credit loss provision to net charge-offs | -666.6667% | 4,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9927% | 5,680 |
| Assets per employee ($millions) | 3.9044% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 3,220 |
| Loan loss allowance to noncurrent loans | 228.1775% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.5247% | 3,501 |
| Noncurrent loans to loans | 0.5463% | 3,547 |
| Net loans and leases to total assets | 94.1860% | 7 |
| Net loans and leases to deposits | 106.5120% | 319 |
| Net loans and leases to core deposits | 121.5333% | 427 |
| Total domestic deposits to total assets | 88.4277% | 1,388 |
| Equity capital to assets | 9.7258% | 4,424 |
| Core capital (leverage) ratio | 9.6351% | 3,988 |
| Tier 1 risk-based capital ratio | 11.0511% | 5,477 |
| Total risk-based capital ratio | 12.3021% | 5,387 |
| Memoranda: | ||
| Average total assets | $161,582,000 | 3,425 |
| Average earning assets | $153,933,000 | 3,367 |
| Average equity | $15,036,000 | 3,865 |
| Average total loans | $154,126,500 | 2,596 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7947% | 174 |
| Cost of funding earning assets | 0.6290% | 1,184 |
| Net interest margin | 5.1657% | 196 |
| Noninterest income to average assets | 0.4509% | 3,657 |
| Noninterest expense to average assets | 2.7317% | 3,478 |
| Loan and lease loss provision to assets | 0.3394% | 451 |
| Net operating income to assets | 2.2965% | 211 |
| Return on assets (ROA) | 2.2965% | 216 |
| Pretax return on assets | 2.2977% | 295 |
| Return on Equity (ROE) | 25.9723% | 89 |
| Retained earnings to average equity (ytd only) | 6.4365% | 1,577 |
| Net charge-offs to loans | 0.1373% | 1,982 |
| Credit loss provision to net charge-offs | 261.6822% | 1,105 |
| Earnings coverage of net charge-offs (x) | 20.3318% | 1,884 |
| Efficiency ratio | 50.6999% | 5,722 |
| Assets per employee ($millions) | 3.8830% | 4,152 |
| Cash dividends to net income (ytd only)* | 75.2177% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 3,837 |
| Loan loss allowance to noncurrent loans | 205.9510% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 3,520 |
| Noncurrent loans to loans | 0.5509% | 3,518 |
| Net loans and leases to total assets | 94.3146% | 7 |
| Net loans and leases to deposits | 109.0417% | 270 |
| Net loans and leases to core deposits | 123.2527% | 398 |
| Total domestic deposits to total assets | 86.4941% | 2,384 |
| Equity capital to assets | 8.8930% | 5,232 |
| Core capital (leverage) ratio | 8.7642% | 5,152 |
| Tier 1 risk-based capital ratio | 9.8594% | 5,983 |
| Total risk-based capital ratio | 11.0621% | 5,958 |
| Memoranda: | ||
| Average total assets | $164,989,000 | 3,377 |
| Average earning assets | $157,073,600 | 3,298 |
| Average equity | $14,588,600 | 3,891 |
| Average total loans | $155,912,400 | 2,518 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7193% | 192 |
| Cost of funding earning assets | 0.6207% | 1,271 |
| Net interest margin | 5.0986% | 209 |
| Noninterest income to average assets | 0.3892% | 4,159 |
| Noninterest expense to average assets | 2.6527% | 3,711 |
| Loan and lease loss provision to assets | 0.3022% | 484 |
| Net operating income to assets | 2.2909% | 221 |
| Return on assets (ROA) | 2.2909% | 231 |
| Pretax return on assets | 2.2925% | 338 |
| Return on Equity (ROE) | 25.9450% | 97 |
| Retained earnings to average equity (ytd only) | 18.4435% | 83 |
| Net charge-offs to loans | 0.1846% | 1,380 |
| Credit loss provision to net charge-offs | 173.6111% | 1,505 |
| Earnings coverage of net charge-offs (x) | 14.9076% | 2,217 |
| Efficiency ratio | 50.3686% | 5,756 |
| Assets per employee ($millions) | 4.3219% | 3,283 |
| Cash dividends to net income (ytd only)* | 28.9131% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 4,808 |
| Loan loss allowance to noncurrent loans | 135.5670% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.6953% | 3,167 |
| Noncurrent loans to loans | 0.7284% | 3,151 |
| Net loans and leases to total assets | 91.5239% | 35 |
| Net loans and leases to deposits | 108.5914% | 286 |
| Net loans and leases to core deposits | 123.1961% | 397 |
| Total domestic deposits to total assets | 84.2829% | 3,309 |
| Equity capital to assets | 9.0152% | 5,296 |
| Core capital (leverage) ratio | 9.1657% | 4,779 |
| Tier 1 risk-based capital ratio | 10.5341% | 5,869 |
| Total risk-based capital ratio | 11.6030% | 5,872 |
| Memoranda: | ||
| Average total assets | $165,465,250 | 3,399 |
| Average earning assets | $157,661,500 | 3,319 |
| Average equity | $14,610,000 | 3,933 |
| Average total loans | $155,996,250 | 2,532 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6760% | 204 |
| Cost of funding earning assets | 0.6091% | 1,353 |
| Net interest margin | 5.0669% | 225 |
| Noninterest income to average assets | 0.3436% | 4,497 |
| Noninterest expense to average assets | 2.7424% | 3,440 |
| Loan and lease loss provision to assets | 0.3068% | 490 |
| Net operating income to assets | 2.1203% | 303 |
| Return on assets (ROA) | 2.1203% | 317 |
| Pretax return on assets | 2.1228% | 477 |
| Return on Equity (ROE) | 24.1932% | 132 |
| Retained earnings to average equity (ytd only) | 18.7049% | 89 |
| Net charge-offs to loans | 0.2559% | 1,014 |
| Credit loss provision to net charge-offs | 126.2626% | 1,736 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,398 |
| Efficiency ratio | 52.8351% | 5,662 |
| Assets per employee ($millions) | 4.2649% | 3,366 |
| Cash dividends to net income (ytd only)* | 22.6852% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9108% | 5,265 |
| Loan loss allowance to noncurrent loans | 112.1189% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.9303% | 2,673 |
| Noncurrent loans to loans | 0.8124% | 3,093 |
| Net loans and leases to total assets | 93.8041% | 10 |
| Net loans and leases to deposits | 112.6126% | 209 |
| Net loans and leases to core deposits | 128.3800% | 302 |
| Total domestic deposits to total assets | 83.2981% | 3,833 |
| Equity capital to assets | 8.7340% | 5,499 |
| Core capital (leverage) ratio | 8.9207% | 5,063 |
| Tier 1 risk-based capital ratio | 10.8436% | 5,784 |
| Total risk-based capital ratio | 11.9167% | 5,795 |
| Memoranda: | ||
| Average total assets | $162,995,330 | 3,453 |
| Average earning assets | $155,321,000 | 3,372 |
| Average equity | $14,285,000 | 4,003 |
| Average total loans | $154,728,330 | 2,556 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5809% | 227 |
| Cost of funding earning assets | 0.6022% | 1,420 |
| Net interest margin | 4.9787% | 257 |
| Noninterest income to average assets | 0.3166% | 4,657 |
| Noninterest expense to average assets | 2.6735% | 3,682 |
| Loan and lease loss provision to assets | 0.3015% | 482 |
| Net operating income to assets | 2.0780% | 293 |
| Return on assets (ROA) | 2.0780% | 315 |
| Pretax return on assets | 2.0780% | 508 |
| Return on Equity (ROE) | 23.6666% | 137 |
| Retained earnings to average equity (ytd only) | 23.6666% | 56 |
| Net charge-offs to loans | 0.2617% | 919 |
| Credit loss provision to net charge-offs | 121.2121% | 1,434 |
| Earnings coverage of net charge-offs (x) | 9.5657% | 2,000 |
| Efficiency ratio | 52.7101% | 5,768 |
| Assets per employee ($millions) | 4.0998% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 5,275 |
| Loan loss allowance to noncurrent loans | 137.1429% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.8374% | 2,990 |
| Noncurrent loans to loans | 0.6875% | 3,556 |
| Net loans and leases to total assets | 94.6120% | 5 |
| Net loans and leases to deposits | 111.0437% | 203 |
| Net loans and leases to core deposits | 127.3515% | 281 |
| Total domestic deposits to total assets | 85.2025% | 3,309 |
| Equity capital to assets | 9.0005% | 5,291 |
| Core capital (leverage) ratio | 9.1793% | 4,748 |
| Tier 1 risk-based capital ratio | 10.6576% | 5,956 |
| Total risk-based capital ratio | 11.7268% | 5,968 |
| Memoranda: | ||
| Average total assets | $159,194,500 | 3,518 |
| Average earning assets | $151,446,000 | 3,441 |
| Average equity | $13,977,500 | 4,076 |
| Average total loans | $151,343,500 | 2,607 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7082% | 223 |
| Cost of funding earning assets | 0.5655% | 2,088 |
| Net interest margin | 5.1427% | 230 |
| Noninterest income to average assets | 0.4550% | 3,798 |
| Noninterest expense to average assets | 2.7782% | 3,568 |
| Loan and lease loss provision to assets | 0.1992% | 1,277 |
| Net operating income to assets | 2.3383% | 184 |
| Return on assets (ROA) | 2.3383% | 188 |
| Pretax return on assets | 2.3389% | 254 |
| Return on Equity (ROE) | 26.3404% | 88 |
| Retained earnings to average equity (ytd only) | 7.2443% | 1,299 |
| Net charge-offs to loans | 0.2763% | 1,565 |
| Credit loss provision to net charge-offs | 76.7089% | 2,936 |
| Earnings coverage of net charge-offs (x) | 9.7722% | 2,701 |
| Efficiency ratio | 52.0717% | 5,979 |
| Assets per employee ($millions) | 4.0640% | 3,796 |
| Cash dividends to net income (ytd only)* | 72.4972% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 5,300 |
| Loan loss allowance to noncurrent loans | 148.2759% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.8316% | 3,131 |
| Noncurrent loans to loans | 0.6381% | 3,774 |
| Net loans and leases to total assets | 93.7248% | 9 |
| Net loans and leases to deposits | 111.4562% | 207 |
| Net loans and leases to core deposits | 128.3433% | 268 |
| Total domestic deposits to total assets | 84.0912% | 3,672 |
| Equity capital to assets | 8.5579% | 5,688 |
| Core capital (leverage) ratio | 8.7634% | 5,278 |
| Tier 1 risk-based capital ratio | 10.0689% | 6,242 |
| Total risk-based capital ratio | 11.1298% | 6,248 |
| Memoranda: | ||
| Average total assets | $152,076,800 | 3,601 |
| Average earning assets | $143,757,600 | 3,543 |
| Average equity | $13,500,200 | 4,103 |
| Average total loans | $142,947,800 | 2,669 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6865% | 233 |
| Cost of funding earning assets | 0.5583% | 2,210 |
| Net interest margin | 5.1281% | 231 |
| Noninterest income to average assets | 0.4014% | 4,234 |
| Noninterest expense to average assets | 2.7734% | 3,564 |
| Loan and lease loss provision to assets | 0.3013% | 652 |
| Net operating income to assets | 2.1682% | 256 |
| Return on assets (ROA) | 2.1682% | 264 |
| Pretax return on assets | 2.1691% | 393 |
| Return on Equity (ROE) | 24.1956% | 122 |
| Retained earnings to average equity (ytd only) | 17.4421% | 128 |
| Net charge-offs to loans | 0.3343% | 1,200 |
| Credit loss provision to net charge-offs | 96.0452% | 2,319 |
| Earnings coverage of net charge-offs (x) | 7.8757% | 2,884 |
| Efficiency ratio | 52.6867% | 5,947 |
| Assets per employee ($millions) | 4.1994% | 3,489 |
| Cash dividends to net income (ytd only)* | 27.9116% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 5,099 |
| Loan loss allowance to noncurrent loans | 134.1398% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.9371% | 3,099 |
| Noncurrent loans to loans | 0.7642% | 3,683 |
| Net loans and leases to total assets | 93.0222% | 18 |
| Net loans and leases to deposits | 107.3938% | 278 |
| Net loans and leases to core deposits | 132.0021% | 219 |
| Total domestic deposits to total assets | 86.6179% | 2,514 |
| Equity capital to assets | 9.2355% | 5,105 |
| Core capital (leverage) ratio | 9.1185% | 4,900 |
| Tier 1 risk-based capital ratio | 10.8667% | 6,056 |
| Total risk-based capital ratio | 12.0084% | 6,058 |
| Memoranda: | ||
| Average total assets | $150,471,750 | 3,654 |
| Average earning assets | $142,088,250 | 3,598 |
| Average equity | $13,484,250 | 4,133 |
| Average total loans | $141,192,250 | 2,710 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5316% | 291 |
| Cost of funding earning assets | 0.5425% | 2,411 |
| Net interest margin | 4.9891% | 288 |
| Noninterest income to average assets | 0.4045% | 4,210 |
| Noninterest expense to average assets | 2.7950% | 3,529 |
| Loan and lease loss provision to assets | 0.3359% | 548 |
| Net operating income to assets | 1.9686% | 361 |
| Return on assets (ROA) | 1.9686% | 375 |
| Pretax return on assets | 1.9700% | 594 |
| Return on Equity (ROE) | 22.2043% | 192 |
| Retained earnings to average equity (ytd only) | 16.5357% | 154 |
| Net charge-offs to loans | 0.5001% | 808 |
| Credit loss provision to net charge-offs | 71.6332% | 2,443 |
| Earnings coverage of net charge-offs (x) | 4.9169% | 3,021 |
| Efficiency ratio | 54.5838% | 5,862 |
| Assets per employee ($millions) | 4.2685% | 3,335 |
| Cash dividends to net income (ytd only)* | 25.5290% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 5,459 |
| Loan loss allowance to noncurrent loans | 123.8596% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.9631% | 3,134 |
| Noncurrent loans to loans | 0.7870% | 3,732 |
| Net loans and leases to total assets | 93.3519% | 11 |
| Net loans and leases to deposits | 108.1718% | 243 |
| Net loans and leases to core deposits | 133.6106% | 190 |
| Total domestic deposits to total assets | 86.2996% | 2,883 |
| Equity capital to assets | 8.9004% | 5,411 |
| Core capital (leverage) ratio | 9.1366% | 4,834 |
| Tier 1 risk-based capital ratio | 10.3429% | 6,300 |
| Total risk-based capital ratio | 11.4189% | 6,306 |
| Memoranda: | ||
| Average total assets | $148,836,000 | 3,694 |
| Average earning assets | $140,105,000 | 3,645 |
| Average equity | $13,195,670 | 4,185 |
| Average total loans | $139,578,330 | 2,739 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4650% | 304 |
| Cost of funding earning assets | 0.5349% | 2,553 |
| Net interest margin | 4.9301% | 309 |
| Noninterest income to average assets | 0.4316% | 3,938 |
| Noninterest expense to average assets | 2.8357% | 3,437 |
| Loan and lease loss provision to assets | 0.2131% | 1,078 |
| Net operating income to assets | 2.0161% | 335 |
| Return on assets (ROA) | 2.0161% | 346 |
| Pretax return on assets | 2.0161% | 514 |
| Return on Equity (ROE) | 22.7866% | 177 |
| Retained earnings to average equity (ytd only) | 22.7866% | 76 |
| Net charge-offs to loans | 0.0204% | 3,170 |
| Credit loss provision to net charge-offs | 1,114.2857% | 289 |
| Earnings coverage of net charge-offs (x) | 116.5714% | 408 |
| Efficiency ratio | 55.7713% | 5,860 |
| Assets per employee ($millions) | 4.0471% | 3,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 4,774 |
| Loan loss allowance to noncurrent loans | 73.7873% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.7049% | 2,071 |
| Noncurrent loans to loans | 1.5869% | 2,435 |
| Net loans and leases to total assets | 91.6476% | 23 |
| Net loans and leases to deposits | 101.4381% | 383 |
| Net loans and leases to core deposits | 114.4477% | 451 |
| Total domestic deposits to total assets | 90.3483% | 892 |
| Equity capital to assets | 9.1452% | 4,946 |
| Core capital (leverage) ratio | 9.3129% | 4,558 |
| Tier 1 risk-based capital ratio | 11.5540% | 5,883 |
| Total risk-based capital ratio | 12.8059% | 5,834 |
| Memoranda: | ||
| Average total assets | $146,420,500 | 3,762 |
| Average earning assets | $137,603,500 | 3,703 |
| Average equity | $12,955,000 | 4,246 |
| Average total loans | $136,936,000 | 2,782 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8262% | 221 |
| Cost of funding earning assets | 0.5705% | 2,921 |
| Net interest margin | 5.2558% | 199 |
| Noninterest income to average assets | 0.5074% | 3,707 |
| Noninterest expense to average assets | 3.0420% | 2,926 |
| Loan and lease loss provision to assets | 0.1079% | 2,995 |
| Net operating income to assets | 2.2425% | 229 |
| Return on assets (ROA) | 2.2425% | 236 |
| Pretax return on assets | 2.2439% | 293 |
| Return on Equity (ROE) | 25.3333% | 119 |
| Retained earnings to average equity (ytd only) | 9.3740% | 684 |
| Net charge-offs to loans | 0.1638% | 3,173 |
| Credit loss provision to net charge-offs | 70.0935% | 3,305 |
| Earnings coverage of net charge-offs (x) | 15.2710% | 1,883 |
| Efficiency ratio | 56.1975% | 5,932 |
| Assets per employee ($millions) | 3.9769% | 3,908 |
| Cash dividends to net income (ytd only)* | 62.9974% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 5,208 |
| Loan loss allowance to noncurrent loans | 92.6994% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.3578% | 2,715 |
| Noncurrent loans to loans | 1.1746% | 3,189 |
| Net loans and leases to total assets | 93.2768% | 8 |
| Net loans and leases to deposits | 108.0060% | 205 |
| Net loans and leases to core deposits | 122.9599% | 288 |
| Total domestic deposits to total assets | 86.3626% | 3,071 |
| Equity capital to assets | 8.5534% | 5,522 |
| Core capital (leverage) ratio | 8.7241% | 5,387 |
| Tier 1 risk-based capital ratio | 10.7172% | 6,297 |
| Total risk-based capital ratio | 11.9682% | 6,243 |
| Memoranda: | ||
| Average total assets | $138,954,200 | 3,899 |
| Average earning assets | $129,191,200 | 3,864 |
| Average equity | $12,300,000 | 4,393 |
| Average total loans | $130,632,400 | 2,851 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8582% | 219 |
| Cost of funding earning assets | 0.5798% | 2,996 |
| Net interest margin | 5.2784% | 194 |
| Noninterest income to average assets | 0.3155% | 5,174 |
| Noninterest expense to average assets | 3.0249% | 2,902 |
| Loan and lease loss provision to assets | 0.1266% | 2,711 |
| Net operating income to assets | 2.0656% | 321 |
| Return on assets (ROA) | 2.0656% | 331 |
| Pretax return on assets | 2.0666% | 506 |
| Return on Equity (ROE) | 23.1257% | 168 |
| Retained earnings to average equity (ytd only) | 15.5589% | 172 |
| Net charge-offs to loans | 0.2302% | 2,425 |
| Credit loss provision to net charge-offs | 58.5586% | 3,331 |
| Earnings coverage of net charge-offs (x) | 10.1442% | 2,390 |
| Efficiency ratio | 57.7454% | 5,718 |
| Assets per employee ($millions) | 3.7421% | 4,365 |
| Cash dividends to net income (ytd only)* | 32.7204% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 5,280 |
| Loan loss allowance to noncurrent loans | 118.8301% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 1.3031% | 3,048 |
| Noncurrent loans to loans | 0.9353% | 3,946 |
| Net loans and leases to total assets | 92.7883% | 11 |
| Net loans and leases to deposits | 106.0447% | 239 |
| Net loans and leases to core deposits | 120.8952% | 305 |
| Total domestic deposits to total assets | 87.4993% | 2,419 |
| Equity capital to assets | 9.0436% | 5,140 |
| Core capital (leverage) ratio | 9.0618% | 5,024 |
| Tier 1 risk-based capital ratio | 11.1729% | 6,205 |
| Total risk-based capital ratio | 12.4231% | 6,172 |
| Memoranda: | ||
| Average total assets | $136,906,000 | 3,979 |
| Average earning assets | $127,157,250 | 3,932 |
| Average equity | $12,228,500 | 4,454 |
| Average total loans | $128,599,250 | 2,905 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7096% | 274 |
| Cost of funding earning assets | 0.5910% | 3,026 |
| Net interest margin | 5.1185% | 248 |
| Noninterest income to average assets | 0.3833% | 4,643 |
| Noninterest expense to average assets | 2.9969% | 3,010 |
| Loan and lease loss provision to assets | 0.0592% | 3,821 |
| Net operating income to assets | 2.0808% | 313 |
| Return on assets (ROA) | 2.0808% | 328 |
| Pretax return on assets | 2.0823% | 513 |
| Return on Equity (ROE) | 23.3982% | 160 |
| Retained earnings to average equity (ytd only) | 18.4889% | 114 |
| Net charge-offs to loans | 0.0283% | 4,296 |
| Credit loss provision to net charge-offs | 222.2222% | 1,097 |
| Earnings coverage of net charge-offs (x) | 80.3889% | 564 |
| Efficiency ratio | 58.0933% | 5,720 |
| Assets per employee ($millions) | 3.5767% | 4,681 |
| Cash dividends to net income (ytd only)* | 20.9815% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 4,815 |
| Loan loss allowance to noncurrent loans | 76.0476% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 2.0204% | 2,134 |
| Noncurrent loans to loans | 1.6226% | 2,875 |
| Net loans and leases to total assets | 94.0469% | 6 |
| Net loans and leases to deposits | 109.4048% | 151 |
| Net loans and leases to core deposits | 120.2951% | 312 |
| Total domestic deposits to total assets | 85.9623% | 3,389 |
| Equity capital to assets | 9.2294% | 4,954 |
| Core capital (leverage) ratio | 9.3035% | 4,533 |
| Tier 1 risk-based capital ratio | 11.2058% | 6,242 |
| Total risk-based capital ratio | 12.4577% | 6,210 |
| Memoranda: | ||
| Average total assets | $135,141,330 | 4,039 |
| Average earning assets | $125,543,670 | 4,001 |
| Average equity | $12,018,000 | 4,527 |
| Average total loans | $126,989,670 | 2,937 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6769% | 282 |
| Cost of funding earning assets | 0.6111% | 3,001 |
| Net interest margin | 5.0658% | 256 |
| Noninterest income to average assets | 0.3206% | 5,133 |
| Noninterest expense to average assets | 2.9951% | 3,012 |
| Loan and lease loss provision to assets | 0.0891% | 3,179 |
| Net operating income to assets | 1.9116% | 396 |
| Return on assets (ROA) | 1.9116% | 431 |
| Pretax return on assets | 1.9116% | 717 |
| Return on Equity (ROE) | 21.9141% | 202 |
| Retained earnings to average equity (ytd only) | 21.9141% | 101 |
| Net charge-offs to loans | 0.0572% | 3,253 |
| Credit loss provision to net charge-offs | 166.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 37.4444% | 835 |
| Efficiency ratio | 59.7148% | 5,628 |
| Assets per employee ($millions) | 3.4078% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 4,691 |
| Loan loss allowance to noncurrent loans | 87.0066% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 2.0940% | 2,239 |
| Noncurrent loans to loans | 1.4945% | 3,313 |
| Net loans and leases to total assets | 90.6385% | 30 |
| Net loans and leases to deposits | 100.1988% | 344 |
| Net loans and leases to core deposits | 106.3596% | 626 |
| Total domestic deposits to total assets | 90.4587% | 788 |
| Equity capital to assets | 9.0869% | 5,382 |
| Core capital (leverage) ratio | 9.0033% | 4,883 |
| Tier 1 risk-based capital ratio | 11.0945% | 6,362 |
| Total risk-based capital ratio | 12.3475% | 6,335 |
| Memoranda: | ||
| Average total assets | $134,755,500 | 4,089 |
| Average earning assets | $124,364,500 | 4,058 |
| Average equity | $11,755,000 | 4,619 |
| Average total loans | $125,775,000 | 2,972 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1703% | 205 |
| Cost of funding earning assets | 0.7249% | 3,290 |
| Net interest margin | 5.4455% | 184 |
| Noninterest income to average assets | 0.4584% | 4,187 |
| Noninterest expense to average assets | 2.8803% | 3,716 |
| Loan and lease loss provision to assets | 0.2073% | 3,068 |
| Net operating income to assets | 2.3819% | 182 |
| Return on assets (ROA) | 2.3819% | 199 |
| Pretax return on assets | 2.3835% | 298 |
| Return on Equity (ROE) | 26.9477% | 90 |
| Retained earnings to average equity (ytd only) | 7.3841% | 1,379 |
| Net charge-offs to loans | 0.0308% | 5,474 |
| Credit loss provision to net charge-offs | 729.7297% | 339 |
| Earnings coverage of net charge-offs (x) | 91.1892% | 429 |
| Efficiency ratio | 52.4351% | 6,427 |
| Assets per employee ($millions) | 3.9030% | 4,149 |
| Cash dividends to net income (ytd only)* | 72.5983% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 5,039 |
| Loan loss allowance to noncurrent loans | 86.3961% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 2.0556% | 2,384 |
| Noncurrent loans to loans | 1.4077% | 3,488 |
| Net loans and leases to total assets | 93.6452% | 11 |
| Net loans and leases to deposits | 105.4148% | 234 |
| Net loans and leases to core deposits | 114.6827% | 393 |
| Total domestic deposits to total assets | 88.8350% | 1,682 |
| Equity capital to assets | 8.3694% | 6,145 |
| Core capital (leverage) ratio | 8.4765% | 5,648 |
| Tier 1 risk-based capital ratio | 10.1880% | 6,653 |
| Total risk-based capital ratio | 11.4397% | 6,616 |
| Memoranda: | ||
| Average total assets | $130,230,400 | 4,144 |
| Average earning assets | $119,879,800 | 4,111 |
| Average equity | $11,511,200 | 4,669 |
| Average total loans | $120,022,200 | 3,075 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2119% | 204 |
| Cost of funding earning assets | 0.7570% | 3,293 |
| Net interest margin | 5.4549% | 189 |
| Noninterest income to average assets | 0.4094% | 4,557 |
| Noninterest expense to average assets | 2.8058% | 3,962 |
| Loan and lease loss provision to assets | 0.1399% | 3,784 |
| Net operating income to assets | 2.4585% | 190 |
| Return on assets (ROA) | 2.4585% | 206 |
| Pretax return on assets | 2.4606% | 315 |
| Return on Equity (ROE) | 27.4274% | 104 |
| Retained earnings to average equity (ytd only) | 19.6686% | 89 |
| Net charge-offs to loans | 0.0453% | 5,019 |
| Credit loss provision to net charge-offs | 337.5000% | 786 |
| Earnings coverage of net charge-offs (x) | 62.7274% | 630 |
| Efficiency ratio | 51.6679% | 6,478 |
| Assets per employee ($millions) | 3.8906% | 4,111 |
| Cash dividends to net income (ytd only)* | 28.2882% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 5,382 |
| Loan loss allowance to noncurrent loans | 61.1489% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 2.2385% | 2,383 |
| Noncurrent loans to loans | 1.9278% | 2,929 |
| Net loans and leases to total assets | 91.0659% | 31 |
| Net loans and leases to deposits | 104.4435% | 270 |
| Net loans and leases to core deposits | 114.8341% | 409 |
| Total domestic deposits to total assets | 87.1915% | 2,564 |
| Equity capital to assets | 9.2864% | 5,485 |
| Core capital (leverage) ratio | 9.2671% | 4,652 |
| Tier 1 risk-based capital ratio | 11.4259% | 6,272 |
| Total risk-based capital ratio | 12.6774% | 6,241 |
| Memoranda: | ||
| Average total assets | $128,636,750 | 4,219 |
| Average earning assets | $117,835,000 | 4,203 |
| Average equity | $11,530,750 | 4,712 |
| Average total loans | $117,653,000 | 3,169 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1532% | 238 |
| Cost of funding earning assets | 0.7788% | 3,375 |
| Net interest margin | 5.3744% | 221 |
| Noninterest income to average assets | 0.4018% | 4,637 |
| Noninterest expense to average assets | 2.7578% | 4,189 |
| Loan and lease loss provision to assets | 0.0549% | 4,973 |
| Net operating income to assets | 2.5160% | 169 |
| Return on assets (ROA) | 2.5160% | 195 |
| Pretax return on assets | 2.5176% | 290 |
| Return on Equity (ROE) | 28.4228% | 93 |
| Retained earnings to average equity (ytd only) | 22.6780% | 68 |
| Net charge-offs to loans | 0.0757% | 4,387 |
| Credit loss provision to net charge-offs | 79.5455% | 3,331 |
| Earnings coverage of net charge-offs (x) | 37.2500% | 925 |
| Efficiency ratio | 51.5018% | 6,541 |
| Assets per employee ($millions) | 3.9202% | 4,034 |
| Cash dividends to net income (ytd only)* | 20.2121% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 5,716 |
| Loan loss allowance to noncurrent loans | 83.3646% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.7694% | 3,080 |
| Noncurrent loans to loans | 1.3399% | 3,914 |
| Net loans and leases to total assets | 91.2196% | 28 |
| Net loans and leases to deposits | 104.4688% | 269 |
| Net loans and leases to core deposits | 116.2228% | 387 |
| Total domestic deposits to total assets | 87.3175% | 2,587 |
| Equity capital to assets | 9.1693% | 5,500 |
| Core capital (leverage) ratio | 9.2234% | 4,569 |
| Tier 1 risk-based capital ratio | 11.2446% | 6,374 |
| Total risk-based capital ratio | 12.4941% | 6,352 |
| Memoranda: | ||
| Average total assets | $127,422,670 | 4,261 |
| Average earning assets | $116,850,330 | 4,243 |
| Average equity | $11,279,670 | 4,758 |
| Average total loans | $116,238,000 | 3,211 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1118% | 261 |
| Cost of funding earning assets | 0.8041% | 3,444 |
| Net interest margin | 5.3077% | 245 |
| Noninterest income to average assets | 0.4713% | 4,138 |
| Noninterest expense to average assets | 2.7710% | 4,155 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.5654% | 165 |
| Return on assets (ROA) | 2.5654% | 198 |
| Pretax return on assets | 2.5654% | 304 |
| Return on Equity (ROE) | 29.5218% | 107 |
| Retained earnings to average equity (ytd only) | 29.5218% | 57 |
| Net charge-offs to loans | 0.1430% | 3,244 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 19.7805% | 1,214 |
| Efficiency ratio | 51.7487% | 6,562 |
| Assets per employee ($millions) | 4.0330% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 5,747 |
| Loan loss allowance to noncurrent loans | 73.8365% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.7674% | 3,218 |
| Noncurrent loans to loans | 1.5466% | 3,795 |
| Net loans and leases to total assets | 87.2691% | 85 |
| Net loans and leases to deposits | 96.1859% | 525 |
| Net loans and leases to core deposits | 105.5757% | 686 |
| Total domestic deposits to total assets | 90.7296% | 673 |
| Equity capital to assets | 8.8287% | 5,714 |
| Core capital (leverage) ratio | 9.0653% | 4,744 |
| Tier 1 risk-based capital ratio | 11.4197% | 6,329 |
| Total risk-based capital ratio | 12.6709% | 6,309 |
| Memoranda: | ||
| Average total assets | $126,450,500 | 4,314 |
| Average earning assets | $115,907,000 | 4,293 |
| Average equity | $10,988,500 | 4,826 |
| Average total loans | $114,686,500 | 3,260 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2903% | 261 |
| Cost of funding earning assets | 0.9190% | 3,966 |
| Net interest margin | 5.3713% | 213 |
| Noninterest income to average assets | 0.5330% | 3,631 |
| Noninterest expense to average assets | 3.0776% | 3,279 |
| Loan and lease loss provision to assets | 0.1753% | 4,441 |
| Net operating income to assets | 2.2528% | 205 |
| Return on assets (ROA) | 2.2528% | 218 |
| Pretax return on assets | 2.2545% | 328 |
| Return on Equity (ROE) | 24.3828% | 122 |
| Retained earnings to average equity (ytd only) | -0.7495% | 5,971 |
| Net charge-offs to loans | 0.2282% | 4,359 |
| Credit loss provision to net charge-offs | 82.3045% | 4,353 |
| Earnings coverage of net charge-offs (x) | 11.4074% | 1,726 |
| Efficiency ratio | 55.6900% | 6,353 |
| Assets per employee ($millions) | 3.8702% | 4,158 |
| Cash dividends to net income (ytd only)* | 103.0739% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 5,568 |
| Loan loss allowance to noncurrent loans | 63.4216% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 2.0719% | 2,874 |
| Noncurrent loans to loans | 1.8329% | 3,429 |
| Net loans and leases to total assets | 92.1345% | 22 |
| Net loans and leases to deposits | 102.0681% | 372 |
| Net loans and leases to core deposits | 113.9388% | 504 |
| Total domestic deposits to total assets | 90.2677% | 841 |
| Equity capital to assets | 8.5454% | 6,077 |
| Core capital (leverage) ratio | 8.5521% | 5,479 |
| Tier 1 risk-based capital ratio | 10.3042% | 6,768 |
| Total risk-based capital ratio | 11.5547% | 6,744 |
| Memoranda: | ||
| Average total assets | $114,081,600 | 4,549 |
| Average earning assets | $105,654,800 | 4,510 |
| Average equity | $10,540,200 | 4,899 |
| Average total loans | $106,480,400 | 3,461 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3192% | 259 |
| Cost of funding earning assets | 0.9403% | 4,108 |
| Net interest margin | 5.3790% | 216 |
| Noninterest income to average assets | 0.4467% | 4,319 |
| Noninterest expense to average assets | 3.0872% | 3,212 |
| Loan and lease loss provision to assets | 0.2090% | 3,931 |
| Net operating income to assets | 2.1366% | 277 |
| Return on assets (ROA) | 2.1366% | 298 |
| Pretax return on assets | 2.1377% | 480 |
| Return on Equity (ROE) | 22.6532% | 197 |
| Retained earnings to average equity (ytd only) | 2.3046% | 4,969 |
| Net charge-offs to loans | 0.1791% | 4,370 |
| Credit loss provision to net charge-offs | 125.0000% | 2,566 |
| Earnings coverage of net charge-offs (x) | 14.0358% | 1,561 |
| Efficiency ratio | 56.6374% | 6,189 |
| Assets per employee ($millions) | 3.7640% | 4,375 |
| Cash dividends to net income (ytd only)* | 89.8267% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 5,081 |
| Loan loss allowance to noncurrent loans | 67.4264% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 2.1968% | 2,894 |
| Noncurrent loans to loans | 1.9046% | 3,495 |
| Net loans and leases to total assets | 90.6209% | 34 |
| Net loans and leases to deposits | 100.2425% | 464 |
| Net loans and leases to core deposits | 113.5829% | 563 |
| Total domestic deposits to total assets | 90.4017% | 676 |
| Equity capital to assets | 9.0030% | 5,758 |
| Core capital (leverage) ratio | 9.1219% | 4,765 |
| Tier 1 risk-based capital ratio | 11.0074% | 6,537 |
| Total risk-based capital ratio | 12.2597% | 6,518 |
| Memoranda: | ||
| Average total assets | $111,640,750 | 4,631 |
| Average earning assets | $103,512,000 | 4,588 |
| Average equity | $10,529,500 | 4,913 |
| Average total loans | $104,239,000 | 3,539 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2531% | 299 |
| Cost of funding earning assets | 0.9587% | 4,257 |
| Net interest margin | 5.2944% | 245 |
| Noninterest income to average assets | 0.4452% | 4,315 |
| Noninterest expense to average assets | 3.1185% | 3,180 |
| Loan and lease loss provision to assets | 0.2300% | 3,610 |
| Net operating income to assets | 2.0128% | 337 |
| Return on assets (ROA) | 2.0128% | 351 |
| Pretax return on assets | 2.0146% | 573 |
| Return on Equity (ROE) | 20.9887% | 268 |
| Retained earnings to average equity (ytd only) | -1.4389% | 6,144 |
| Net charge-offs to loans | 0.2840% | 3,457 |
| Credit loss provision to net charge-offs | 86.2069% | 3,581 |
| Earnings coverage of net charge-offs (x) | 8.4138% | 2,061 |
| Efficiency ratio | 58.0103% | 6,159 |
| Assets per employee ($millions) | 3.7307% | 4,352 |
| Cash dividends to net income (ytd only)* | 106.8556% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 5,230 |
| Loan loss allowance to noncurrent loans | 61.2932% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 2.4314% | 2,726 |
| Noncurrent loans to loans | 2.0631% | 3,392 |
| Net loans and leases to total assets | 92.1524% | 23 |
| Net loans and leases to deposits | 106.4131% | 253 |
| Net loans and leases to core deposits | 117.8532% | 479 |
| Total domestic deposits to total assets | 86.5987% | 2,988 |
| Equity capital to assets | 8.9976% | 5,584 |
| Core capital (leverage) ratio | 9.2982% | 4,256 |
| Tier 1 risk-based capital ratio | 10.9670% | 6,557 |
| Total risk-based capital ratio | 12.2193% | 6,530 |
| Memoranda: | ||
| Average total assets | $108,704,670 | 4,741 |
| Average earning assets | $100,973,670 | 4,684 |
| Average equity | $10,424,670 | 4,945 |
| Average total loans | $102,128,000 | 3,623 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3063% | 278 |
| Cost of funding earning assets | 0.9784% | 4,361 |
| Net interest margin | 5.3280% | 214 |
| Noninterest income to average assets | 0.4181% | 4,559 |
| Noninterest expense to average assets | 3.2652% | 2,659 |
| Loan and lease loss provision to assets | 0.2851% | 2,866 |
| Net operating income to assets | 1.8322% | 465 |
| Return on assets (ROA) | 1.8322% | 492 |
| Pretax return on assets | 1.8360% | 764 |
| Return on Equity (ROE) | 18.4781% | 440 |
| Retained earnings to average equity (ytd only) | -3.6036% | 6,373 |
| Net charge-offs to loans | 0.4435% | 2,367 |
| Credit loss provision to net charge-offs | 68.1818% | 3,378 |
| Earnings coverage of net charge-offs (x) | 5.0727% | 2,339 |
| Efficiency ratio | 60.6210% | 5,887 |
| Assets per employee ($millions) | 3.6728% | 4,596 |
| Cash dividends to net income (ytd only)* | 119.5021% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 5,028 |
| Loan loss allowance to noncurrent loans | 79.4585% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 2.1046% | 3,187 |
| Noncurrent loans to loans | 1.6635% | 3,987 |
| Net loans and leases to total assets | 91.4680% | 23 |
| Net loans and leases to deposits | 101.4618% | 404 |
| Net loans and leases to core deposits | 114.3726% | 592 |
| Total domestic deposits to total assets | 90.1502% | 1,060 |
| Equity capital to assets | 9.4269% | 4,530 |
| Core capital (leverage) ratio | 9.8413% | 3,342 |
| Tier 1 risk-based capital ratio | 11.5781% | 6,040 |
| Total risk-based capital ratio | 12.8318% | 6,028 |
| Memoranda: | ||
| Average total assets | $105,230,500 | 4,857 |
| Average earning assets | $98,124,000 | 4,787 |
| Average equity | $10,434,000 | 4,934 |
| Average total loans | $99,221,000 | 3,745 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6250% | 267 |
| Cost of funding earning assets | 1.2362% | 4,315 |
| Net interest margin | 5.3888% | 205 |
| Noninterest income to average assets | 0.5739% | 3,637 |
| Noninterest expense to average assets | 2.8965% | 4,239 |
| Loan and lease loss provision to assets | 0.6637% | 2,490 |
| Net operating income to assets | 2.0501% | 262 |
| Return on assets (ROA) | 2.0501% | 271 |
| Pretax return on assets | 2.0521% | 434 |
| Return on Equity (ROE) | 20.5552% | 221 |
| Retained earnings to average equity (ytd only) | 11.5385% | 322 |
| Net charge-offs to loans | 0.6084% | 3,209 |
| Credit loss provision to net charge-offs | 115.8537% | 3,720 |
| Earnings coverage of net charge-offs (x) | 4.7404% | 2,823 |
| Efficiency ratio | 51.6095% | 7,013 |
| Assets per employee ($millions) | 4.0110% | 3,761 |
| Cash dividends to net income (ytd only)* | 43.8656% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 4,333 |
| Loan loss allowance to noncurrent loans | 50.8630% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 2.8402% | 2,467 |
| Noncurrent loans to loans | 2.8274% | 2,692 |
| Net loans and leases to total assets | 94.6617% | 6 |
| Net loans and leases to deposits | 106.9350% | 292 |
| Net loans and leases to core deposits | 117.4179% | 593 |
| Total domestic deposits to total assets | 88.5227% | 1,934 |
| Equity capital to assets | 10.4522% | 3,208 |
| Core capital (leverage) ratio | 10.0592% | 3,020 |
| Tier 1 risk-based capital ratio | 12.6597% | 4,886 |
| Total risk-based capital ratio | 13.9147% | 4,860 |
| Memoranda: | ||
| Average total assets | $100,189,000 | 4,983 |
| Average earning assets | $93,676,000 | 4,899 |
| Average equity | $9,992,600 | 5,140 |
| Average total loans | $94,339,000 | 3,948 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6533% | 260 |
| Cost of funding earning assets | 1.2629% | 4,480 |
| Net interest margin | 5.3904% | 212 |
| Noninterest income to average assets | 0.5324% | 3,930 |
| Noninterest expense to average assets | 2.7819% | 4,560 |
| Loan and lease loss provision to assets | 0.7254% | 2,106 |
| Net operating income to assets | 2.0459% | 313 |
| Return on assets (ROA) | 2.0459% | 335 |
| Pretax return on assets | 2.0472% | 562 |
| Return on Equity (ROE) | 20.7617% | 269 |
| Retained earnings to average equity (ytd only) | 13.4404% | 308 |
| Net charge-offs to loans | 0.2245% | 4,591 |
| Credit loss provision to net charge-offs | 344.9367% | 921 |
| Earnings coverage of net charge-offs (x) | 13.1836% | 1,611 |
| Efficiency ratio | 50.0839% | 7,142 |
| Assets per employee ($millions) | 4.3744% | 3,115 |
| Cash dividends to net income (ytd only)* | 35.2636% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 3,148 |
| Loan loss allowance to noncurrent loans | 55.1328% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 3.2081% | 2,231 |
| Noncurrent loans to loans | 3.0835% | 2,591 |
| Net loans and leases to total assets | 92.5837% | 22 |
| Net loans and leases to deposits | 105.6982% | 376 |
| Net loans and leases to core deposits | 122.7911% | 531 |
| Total domestic deposits to total assets | 87.5925% | 2,215 |
| Equity capital to assets | 9.8328% | 4,368 |
| Core capital (leverage) ratio | 9.9190% | 3,336 |
| Tier 1 risk-based capital ratio | 11.8348% | 5,604 |
| Total risk-based capital ratio | 13.0936% | 5,574 |
| Memoranda: | ||
| Average total assets | $100,167,250 | 5,041 |
| Average earning assets | $93,324,750 | 4,970 |
| Average equity | $9,870,500 | 5,236 |
| Average total loans | $93,846,750 | 4,021 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6801% | 252 |
| Cost of funding earning assets | 1.3025% | 4,520 |
| Net interest margin | 5.3776% | 209 |
| Noninterest income to average assets | 0.5438% | 3,759 |
| Noninterest expense to average assets | 2.7597% | 4,664 |
| Loan and lease loss provision to assets | 0.8015% | 1,800 |
| Net operating income to assets | 1.9988% | 329 |
| Return on assets (ROA) | 1.9988% | 363 |
| Pretax return on assets | 2.0008% | 603 |
| Return on Equity (ROE) | 20.2682% | 301 |
| Retained earnings to average equity (ytd only) | 15.2886% | 227 |
| Net charge-offs to loans | 0.1975% | 4,424 |
| Credit loss provision to net charge-offs | 434.0659% | 834 |
| Earnings coverage of net charge-offs (x) | 15.1758% | 1,472 |
| Efficiency ratio | 49.6169% | 7,251 |
| Assets per employee ($millions) | 4.0715% | 3,631 |
| Cash dividends to net income (ytd only)* | 24.5685% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6657% | 3,205 |
| Loan loss allowance to noncurrent loans | 56.2478% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 2.9817% | 2,391 |
| Noncurrent loans to loans | 2.9614% | 2,704 |
| Net loans and leases to total assets | 92.6798% | 25 |
| Net loans and leases to deposits | 107.7621% | 329 |
| Net loans and leases to core deposits | 122.7902% | 607 |
| Total domestic deposits to total assets | 86.0041% | 3,086 |
| Equity capital to assets | 9.8942% | 4,148 |
| Core capital (leverage) ratio | 9.9781% | 3,187 |
| Tier 1 risk-based capital ratio | 12.0305% | 5,281 |
| Total risk-based capital ratio | 13.2884% | 5,240 |
| Memoranda: | ||
| Average total assets | $98,561,330 | 5,122 |
| Average earning assets | $91,974,670 | 5,040 |
| Average equity | $9,719,670 | 5,282 |
| Average total loans | $92,169,000 | 4,103 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7833% | 227 |
| Cost of funding earning assets | 1.3655% | 4,391 |
| Net interest margin | 5.4178% | 205 |
| Noninterest income to average assets | 0.4332% | 4,630 |
| Noninterest expense to average assets | 2.8015% | 4,476 |
| Loan and lease loss provision to assets | 0.8871% | 1,434 |
| Net operating income to assets | 1.7824% | 516 |
| Return on assets (ROA) | 1.7824% | 564 |
| Pretax return on assets | 1.7865% | 900 |
| Return on Equity (ROE) | 18.1056% | 508 |
| Retained earnings to average equity (ytd only) | 18.1056% | 243 |
| Net charge-offs to loans | 0.3101% | 3,177 |
| Credit loss provision to net charge-offs | 307.1429% | 1,284 |
| Earnings coverage of net charge-offs (x) | 9.2571% | 1,877 |
| Efficiency ratio | 51.1680% | 7,223 |
| Assets per employee ($millions) | 4.0272% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 3,644 |
| Loan loss allowance to noncurrent loans | 46.2701% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 3.0890% | 2,316 |
| Noncurrent loans to loans | 3.3571% | 2,382 |
| Net loans and leases to total assets | 90.5831% | 58 |
| Net loans and leases to deposits | 100.7223% | 713 |
| Net loans and leases to core deposits | 114.8354% | 1,006 |
| Total domestic deposits to total assets | 89.9336% | 1,021 |
| Equity capital to assets | 9.6940% | 4,235 |
| Core capital (leverage) ratio | 10.0484% | 3,102 |
| Tier 1 risk-based capital ratio | 11.7554% | 5,445 |
| Total risk-based capital ratio | 13.0116% | 5,378 |
| Memoranda: | ||
| Average total assets | $96,948,500 | 5,235 |
| Average earning assets | $90,221,000 | 5,161 |
| Average equity | $9,544,000 | 5,366 |
| Average total loans | $90,286,500 | 4,192 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0034% | 283 |
| Cost of funding earning assets | 1.9302% | 3,301 |
| Net interest margin | 5.0732% | 390 |
| Noninterest income to average assets | 0.5557% | 3,974 |
| Noninterest expense to average assets | 2.9872% | 4,199 |
| Loan and lease loss provision to assets | 1.3899% | 1,647 |
| Net operating income to assets | 0.9373% | 2,063 |
| Return on assets (ROA) | 0.9373% | 2,120 |
| Pretax return on assets | 0.9395% | 2,800 |
| Return on Equity (ROE) | 10.4169% | 1,576 |
| Retained earnings to average equity (ytd only) | -1.5903% | 5,412 |
| Net charge-offs to loans | 1.2612% | 1,960 |
| Credit loss provision to net charge-offs | 116.3417% | 4,665 |
| Earnings coverage of net charge-offs (x) | 1.9499% | 4,261 |
| Efficiency ratio | 56.1861% | 6,997 |
| Assets per employee ($millions) | 3.8840% | 4,066 |
| Cash dividends to net income (ytd only)* | 115.2663% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 3,886 |
| Loan loss allowance to noncurrent loans | 115.7424% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 1.1994% | 4,702 |
| Noncurrent loans to loans | 1.2714% | 4,803 |
| Net loans and leases to total assets | 92.9454% | 21 |
| Net loans and leases to deposits | 103.6996% | 662 |
| Net loans and leases to core deposits | 137.2015% | 906 |
| Total domestic deposits to total assets | 89.6295% | 1,141 |
| Equity capital to assets | 10.0069% | 3,759 |
| Core capital (leverage) ratio | 10.0940% | 3,002 |
| Tier 1 risk-based capital ratio | 11.5430% | 5,355 |
| Total risk-based capital ratio | 12.7978% | 5,309 |
| Memoranda: | ||
| Average total assets | $90,151,600 | 5,384 |
| Average earning assets | $84,601,200 | 5,314 |
| Average equity | $8,111,800 | 5,886 |
| Average total loans | $85,395,000 | 4,349 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9971% | 301 |
| Cost of funding earning assets | 2.0627% | 3,063 |
| Net interest margin | 4.9344% | 510 |
| Noninterest income to average assets | 0.4833% | 4,640 |
| Noninterest expense to average assets | 3.1473% | 3,472 |
| Loan and lease loss provision to assets | 1.6453% | 1,140 |
| Net operating income to assets | 0.3192% | 4,724 |
| Return on assets (ROA) | 0.3192% | 4,830 |
| Pretax return on assets | 0.3222% | 5,000 |
| Return on Equity (ROE) | 3.6544% | 4,518 |
| Retained earnings to average equity (ytd only) | -5.6695% | 6,346 |
| Net charge-offs to loans | 1.3795% | 1,492 |
| Credit loss provision to net charge-offs | 125.7697% | 4,000 |
| Earnings coverage of net charge-offs (x) | 1.5040% | 4,656 |
| Efficiency ratio | 61.5340% | 6,187 |
| Assets per employee ($millions) | 3.6030% | 4,677 |
| Cash dividends to net income (ytd only)* | 255.1362% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 3,169 |
| Loan loss allowance to noncurrent loans | 101.4340% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 1.4710% | 4,172 |
| Noncurrent loans to loans | 1.5340% | 4,345 |
| Net loans and leases to total assets | 94.4025% | 19 |
| Net loans and leases to deposits | 109.7666% | 472 |
| Net loans and leases to core deposits | 139.8609% | 921 |
| Total domestic deposits to total assets | 86.0029% | 2,703 |
| Equity capital to assets | 10.1303% | 3,927 |
| Core capital (leverage) ratio | 10.0880% | 3,191 |
| Tier 1 risk-based capital ratio | 11.7196% | 5,224 |
| Total risk-based capital ratio | 12.9757% | 5,166 |
| Memoranda: | ||
| Average total assets | $89,385,500 | 5,443 |
| Average earning assets | $83,899,500 | 5,378 |
| Average equity | $7,807,750 | 6,047 |
| Average total loans | $84,760,250 | 4,401 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9765% | 331 |
| Cost of funding earning assets | 2.1969% | 2,808 |
| Net interest margin | 4.7796% | 679 |
| Noninterest income to average assets | 0.4733% | 4,686 |
| Noninterest expense to average assets | 2.8063% | 4,935 |
| Loan and lease loss provision to assets | 1.0992% | 1,559 |
| Net operating income to assets | 1.0409% | 1,972 |
| Return on assets (ROA) | 1.0409% | 2,047 |
| Pretax return on assets | 1.0431% | 2,833 |
| Return on Equity (ROE) | 12.5939% | 1,260 |
| Retained earnings to average equity (ytd only) | -2.2256% | 5,794 |
| Net charge-offs to loans | 1.8831% | 1,000 |
| Credit loss provision to net charge-offs | 61.7907% | 5,566 |
| Earnings coverage of net charge-offs (x) | 1.2043% | 4,630 |
| Efficiency ratio | 56.7090% | 7,024 |
| Assets per employee ($millions) | 3.5763% | 4,632 |
| Cash dividends to net income (ytd only)* | 117.6724% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 6,467 |
| Loan loss allowance to noncurrent loans | 52.6146% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 2.3533% | 2,760 |
| Noncurrent loans to loans | 1.8361% | 3,755 |
| Net loans and leases to total assets | 93.4479% | 32 |
| Net loans and leases to deposits | 107.5969% | 671 |
| Net loans and leases to core deposits | 136.6073% | 1,182 |
| Total domestic deposits to total assets | 86.8500% | 2,333 |
| Equity capital to assets | 8.1929% | 6,501 |
| Core capital (leverage) ratio | 8.1594% | 6,057 |
| Tier 1 risk-based capital ratio | 9.6940% | 7,236 |
| Total risk-based capital ratio | 10.7726% | 7,328 |
| Memoranda: | ||
| Average total assets | $89,155,330 | 5,490 |
| Average earning assets | $83,479,670 | 5,432 |
| Average equity | $7,368,670 | 6,238 |
| Average total loans | $84,221,000 | 4,452 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9276% | 389 |
| Cost of funding earning assets | 2.3156% | 2,633 |
| Net interest margin | 4.6120% | 923 |
| Noninterest income to average assets | 0.4538% | 4,736 |
| Noninterest expense to average assets | 2.8305% | 4,423 |
| Loan and lease loss provision to assets | 1.1232% | 1,161 |
| Net operating income to assets | 0.7997% | 3,129 |
| Return on assets (ROA) | 0.7997% | 3,290 |
| Pretax return on assets | 0.8042% | 4,065 |
| Return on Equity (ROE) | 9.6340% | 2,479 |
| Retained earnings to average equity (ytd only) | -1.7861% | 6,057 |
| Net charge-offs to loans | 0.6417% | 1,895 |
| Credit loss provision to net charge-offs | 185.1852% | 2,359 |
| Earnings coverage of net charge-offs (x) | 3.1778% | 3,261 |
| Efficiency ratio | 59.4901% | 6,476 |
| Assets per employee ($millions) | 3.5363% | 4,735 |
| Cash dividends to net income (ytd only)* | 118.5393% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 3,096 |
| Loan loss allowance to noncurrent loans | 65.7951% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 2.2102% | 2,584 |
| Noncurrent loans to loans | 2.2469% | 2,934 |
| Net loans and leases to total assets | 92.9474% | 46 |
| Net loans and leases to deposits | 106.7613% | 811 |
| Net loans and leases to core deposits | 148.2901% | 768 |
| Total domestic deposits to total assets | 87.0610% | 2,182 |
| Equity capital to assets | 8.3410% | 6,326 |
| Core capital (leverage) ratio | 8.3910% | 5,728 |
| Tier 1 risk-based capital ratio | 9.8528% | 7,082 |
| Total risk-based capital ratio | 11.1074% | 6,977 |
| Memoranda: | ||
| Average total assets | $89,029,500 | 5,521 |
| Average earning assets | $83,088,000 | 5,456 |
| Average equity | $7,390,500 | 6,260 |
| Average total loans | $84,149,500 | 4,491 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0297% | 184 |
| Cost of funding earning assets | 3.1151% | 1,462 |
| Net interest margin | 4.9146% | 618 |
| Noninterest income to average assets | 0.6174% | 3,728 |
| Noninterest expense to average assets | 2.7314% | 5,127 |
| Loan and lease loss provision to assets | 0.4630% | 2,983 |
| Net operating income to assets | 1.9873% | 363 |
| Return on assets (ROA) | 1.9873% | 344 |
| Pretax return on assets | 1.9909% | 620 |
| Return on Equity (ROE) | 23.9482% | 174 |
| Retained earnings to average equity (ytd only) | 7.0215% | 1,145 |
| Net charge-offs to loans | 0.1444% | 4,769 |
| Credit loss provision to net charge-offs | 345.5357% | 1,308 |
| Earnings coverage of net charge-offs (x) | 18.3125% | 1,712 |
| Efficiency ratio | 52.6765% | 7,415 |
| Assets per employee ($millions) | 3.7355% | 4,092 |
| Cash dividends to net income (ytd only)* | 70.6803% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 3,666 |
| Loan loss allowance to noncurrent loans | 84.3774% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.4779% | 3,264 |
| Noncurrent loans to loans | 1.5608% | 3,449 |
| Net loans and leases to total assets | 93.4458% | 44 |
| Net loans and leases to deposits | 106.2379% | 1,101 |
| Net loans and leases to core deposits | 147.0503% | 976 |
| Total domestic deposits to total assets | 87.9590% | 1,486 |
| Equity capital to assets | 8.2619% | 6,466 |
| Core capital (leverage) ratio | 8.4902% | 5,596 |
| Tier 1 risk-based capital ratio | 9.5846% | 7,221 |
| Total risk-based capital ratio | 10.8372% | 7,113 |
| Memoranda: | ||
| Average total assets | $83,582,200 | 5,579 |
| Average earning assets | $77,686,800 | 5,517 |
| Average equity | $6,935,800 | 6,479 |
| Average total loans | $77,588,600 | 4,600 |